 What do I do if I want to buy a house, but I can't prove my source of income? |
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| Like if they lose their job and they were paying their $700 a month and y ou've been paying your $700, do you have to pay FOR them, so suddenly you're paying $1400 a month? How does that ... |
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 Can I withhold rent if there is something broken with my apartment that i have asked my landlord to fix? |
| My garbage disposal has not been working for the past 2 months. My landlord wants to charge me a late fee because my rent was late a day. I dont want to pay a $100.00 late fee for 1 day especially ... |
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So you think you know me!? | My question does not seem to be getting answered and I really need to know this?????? |
I had ran into a very bad finacial situation last year. I lost my apartment cuz I wasnt able to afford it, I owe an electric bill and back rent from it all. It's been alil over a year and I am now getting notice about payments in the mail. I have been living with some friends for about 8 months now and I am saving money so me 'n my bf can get a plce together. (ohio).....My question is "Can I still rent a place in my name even tho this has happened only once"???? My bf is going to put the electric in his name so that is taken care of......but I dont know if a credit check being done will show that I have rent a place and I couldnt pay for it??? Anyone know how this works in life???
I do know that I need to pay these off as I am making payments little by little as much as I can, even tho most of my taxes are going to have to be a payment for this......But "Can I still rent in most cases like these/and most places or not????? I need to know asap as I am looking for a place to rent!?!?!?
Additional Details
For those wanting to know why not put it in my boyfriends name: I was told that you can never be sure about your future. So if something were to happen in our relationship, I would know that I still had a place to live, as far as making him pack up and leave not me....I can always get electric in a name, and yes I can afford rent and current bills thet need to be paid for to live, as well as making very small payments on those past bills for now.
Playing it smart by not moving in with him before we were together for a year, and its here, and it's the time. |
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stronghone
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It will depend on if you are renting from a large apartment complex/management company or from an individual. Often times the individual will not do a credit check. |
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Rolls Hagen
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I hope that my advice can come to you're aid in time!
I run a real estate business in North Dakota and I lease out everything(houses,farmland,gravel pits etc...). The laws state by state I'm sure differ.
Large cooperate real estate firms always run a credit check before accepting a new tenant. However, I you can find a house, apartment or duplex from a landlord who is just an average run of the mill dude and probably just rents it out on the side, apart from his regular job, chances are he probably won't run a credit check. You need to look for a landlord that is just an individual that isn't up on the new technology into checking people's credit history's.
Another thing you may have going for you, is that you're former landlord from eight months ago most likely did not even report it because it a lot of times takes more trouble than it's worth. Unless you are in small town where everybody know everybody, I don't think your future landlord will ever find out about your past.
Another thing, after seven years anything on your credit report that is negative has to be erased.
Hope you can find a place so you don't have to shack up with your friend your whole life. Good luck. |
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Jamonican
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Look, if you messed up your credit no need to worry as long as you have the amount they are looking for and be straight foward there should be no problem. There are many places that say they do credit checks but don't. They are interested in that rent and security money. I've been there done that. |
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gimmeisme
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were you evicted or did you break the lease? There is a difference. Either one may show up on your credit report showing a balance owed. Once that balance is paid off, It should be removed from your credit report. You would have to ask the secretary at the complex you are applying at if it will effect you getting the apartment.. |
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johnson_05
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In most cases you can still rent. Most places will do a background check, and will ask you questions about what are you doing to pay them off if anything, were there unforseen circumstances and things like that. They can also charge a higher security deposit. It might be better off to put it in your boyfriends name. |
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kelly h
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Yes, it could show up on your credit. Property Management company's and some landlords, now have a company designed just for them, where they can pull credit and if your previous landlord subscribes to this service, it will show up. This happened to me and to get the apartment I was trying to get, they told me I would have to pay my previous landlord and bring proof that I had paid it.
Even if this isn't showing on your credit, most landlords and apartments require 2 years rental history and they do check your rental history and will call your previous landlords to check your rental history, so even if it's not showing on your credit, it will probably still be hard to get something in your name. |
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Holly
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Most landlords will check your credit. And if your credit shows that you are past due with several utilities and in collection agencies, this will not reflect well upon you. But if you give them a reasonable explanation, it really will be up to them whether to rent to you or not.
If your boyfriend has good credit, then perhaps he should put the lease solely in his name to guarantee approval. |
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Gloria D
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One of the earlier answers was correct insofar as a private owner often will not perform a credit check, so that may be your best option. In addition, whether or not this will appear on a credit check depends on whether your former landlord has pursued legal action against you. I manage several highrise apartment buildings, and in addition to checking credit, we call the prior landlords to ask for a reference. However, if someone ONLY checks your credit, your former rental problems may not appear at all. If they have obtained a lien against you, then it will definitely appear on your credit history. However, MY question is this: why does your boyfriend NOT want his name on the lease???? |
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jennifer w
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First of all yes it will show up on your credit, when they do a credit report.Second if I was you i would not go to some high dollar apartments, because they charge you a credit check fee and you will be turned down. I use to be a property manager. So if you have any more questions for me feel free to ask. |
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regerugged
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Your questions are hard to understand. The grammar is less than perfect.
If you sign a lease for a new apartment, the landlord will do a background check. If he finds that you owe rent elsewhere, he will not have to rent to you.
The best thing for you to do is pay off your bills and debts. |
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Kim K
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Try going to privately owned apartments, or smaller or older places. There's lots of people out there with bad credit, and most of them seem to be able to find places to live, so it looks pretty good for you.
Good Luck |
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helpless
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yes u can,especially if u are making payments. that shows that you are not a dead beat and are trying to make amends, that is far better than just ignoring the situation altogether. you can check your own credit report and know for sure what has been posted to it, good luck, hope all works well for you |
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renee
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it depends on how strict the places are about credit....some places may turn you down.....
you should order a credit report and see what kind of mark it made.......you can get a free credit report..... |
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zyberianwarrior
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oh poor little thing.....
Ok now then if you are getting notices in the mail you are getting very close to having a judgement against you. As for renting under your name NO it will be flagged and you will be rejected. You can get a free credit report (yes totally free no bs subscription crapola) just search for it I would venture a (good) guess this incident will be in there. Let bf take over from this point pay off your bills and learn from this. |
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harley w
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i had an apartment that was attached to my house and when i rented it out i didn't do a credit check if they had the money they got to live there look around some people might not do credit checks why not put the apt in your boyfriends name since the elec is going to be? |
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Justin
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If the former apartment complex reported your deliquency to the credit bureaus, then most likely this will affect your ability to rent again. This would only be the case if the new apartment company pulls your credit. |
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alleykhad607
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tell your b/f to get every thing in his name,apt.and utilities.
and after he gets the place wait about 2-3 months before having your name add to the lease that way you will not lose the apt. because they[landlord will not want to break the lease] ....... |
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commonsense
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Every non-payment, or late payment will affect your credit, even tho u r trying to get it paid. Depending on where u live and your landlord, they may not rent to you. Also they may want both names on the rental agreement. Some places want the person name on the apt paying the rent to also be named as paying the utilities. You may have to check other options re: ur bfs credit??? |
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akysainis
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Usually they want to see good credit, meaning that you are or have paid your debts.
Try to pay your debts off, becuase it will really restrict you. |
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