Legend
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Yes, a bankruptcy is a red flag for landlords. Your best bet is to make a good first impression by dressing nice and speaking clearly. Try out telling the landlord up front. I've known nice apartment complexes to make exceptions after prospective tenants write letters to management asking for permission to rent. You may have to pay the entire lease amount up front. If you cannot do so, it's private landlordsville for you until you save up the cash of the bankruptcy goes away. |
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Kelly M
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Yes,they can and they will! I run credit checks on people who want to rent from me but I ask for their permission in writing with a signature. It is against the law without one!! Some landlords can be idiots though and if we knew the truth most probably could not rent one with their credit haha.I would explain to him your situation or previous landlord request that you have paid on time! |
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Mr. Smartypants
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all legitimate landlords do credit checks. |
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Quarter Midget Mom
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Ours did. Renting to anyone is a big risk - once someone is in, it's harder to get them out - even if they don't pay. Explain your situation up front & hopefully they will be willing to take a chance on you. |
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Freeport77541
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of course they can turn you down for bad credit, it shows responsibility of debts and monthly rent and payment of a lease is responsibility.
As to consent, i am sure somewhere in your application it addresses that. But there are many loopholes on the consent since the internet. I had two inquiries on my report from places i did not even know of but nothing i could do about it despite who i complained to. |
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Joseph R
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I sit a corporation that is renting a bunch of apts? If so you may have a problem. Talk to your rep, explain the situation that you filed for bankruptcy because of the medical bills? as long as it doesn't look like you are deadbeat, you should be all set. They may require a higher deposit, or even a few months up front. This happened to me, but i don't like people holding on to my money, so I payed the whole 1st year in advance. when we re-upped for the second year, my credit improved and now I am able to pay month to month and got out of the security deposit. |
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Willow Natalia
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At the property managing company I worked for, they definitely did credit checks. The reports we received stated who was owed what - credit cards, collection agencies, etc. We had several tenants who'd had to declare bankruptcy or had things in collections for medical reasons. As long as they could prove that they were currently making money (pay stubs or statements from Social Security), they were still in the running for the unit. It also helps to have excellent references. |
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Mrs. Leaf
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It is possible for them to do a credit check. You could always say that you are not comfortable giving out your ss # and ask why they need it. |
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athomas4224
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Yes, all every landlord that I have ever had has done a credit check. They check to see if you have any prior evictions and some check to see how you handle your bills. |
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Invisigoth
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yes, your landlord can do a credit check. Yes, they can refuse to lease to you if you have bad credit (it was done to me when I was in dire straights and had really bad credit).
If all or most of your problem is due to medical debt, then it may not hurt you in this case.
Depending on who you are trying to lease from: an individual or small business or a huge national conglomerate. Will depend on how much they can work with you. Big businesses have hard and fast rules with very little wiggle room while a smaller business may be able work with you.
The fact that your husband has a great job and makes good money helps.
Good Luck. |
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mgabel
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Of course. I do credit checks, and background checks. Its a privilege to live somewhere not a right. I do not want to lose my hard earned money just like you.
I would suggest though if someone turns you down try to put a bigger security deposit down. If you put 2 months or 3 months down, they may still rent to you since they are covered. |
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Celine
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Who has access to my report?
Anyone with a "legitimate business need" can gain access to your credit history, including:
Those considering granting you credit.
Landlords.
Insurance companies.
Employers and potential employers (but only with your consent).
Companies with which you have a credit account for account monitoring purposes.
Those considering your application for a government license or benefit if the agency is required to consider your financial status.
A state or local child support enforcement agency.
Any government agency (limited usually to your name, address, former addresses, current and former employers).
Generally, only an employer or prospective employer needs your written consent to obtain a report. An exception is Vermont where any user needs your oral or written consent. In practice, most potential creditors ask for your permission to review your report. Your permission is not required when inquiries are made in connection with a pre-approved credit offer. |
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Flowerlady
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Almost anyone can do a credit check if they really wanted to...all it takes is a credit card. Check out any reverse phone lookup and there it is...anything and everything you want to know about someone for a price. |
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