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http://nocreditcheckapartments.us Thu, 06 Jun 2019 19:46:19 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.4 Is there a chance to get approved with a past eviction? http://nocreditcheckapartments.us/getting-approved-with-past-eviction/ Thu, 06 Jun 2019 19:28:42 +0000 http://nocreditcheckapartments.us/?p=19359 Is There a Chance for Getting Approved with a Past Eviction? There is a chance in almost every situation you may be in…However, it’s all about knowing the right type of private landlords, who will not be so strict on your past credit history. They can still give you a second chance apartment approval, under certain conditions, of course. You must have ZERO criminal activity...

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Is There a Chance for Getting Approved with a Past Eviction?

There is a chance in almost every situation you may be in…However, it’s all about knowing the right type of private landlords, who will not be so strict on your past credit history. They can still give you a second chance apartment approval, under certain conditions, of course.

You must have ZERO criminal activity or felonies on your background checks AND proof of income 3 times the monthly rent.

Some landlords will be totally fine, if you are willing to offer a higher security deposit. For example, if the normal security deposit is equivalent to a one month’s rent, you should offer to increase it to 2 month’s rent and see what landlords says. This will give a landlords a ‘piece of mind’ in case you do decide to break an apartment lease again.

For free consultations and for a list of updated apartments and homes in your area, please call us at (312) 809-9133.

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Have any questions?

(312) 809-9133

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Need some help?

help@nocreditcheckapartments.us

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Tips for Moving into Apartment Without Credit http://nocreditcheckapartments.us/tips-moving-apartment-without-credit/ Wed, 07 Feb 2018 03:55:49 +0000 http://nocreditcheckapartments.us/?p=18182 1. Rent an apartment from an individual owner Many apartment complexes will give you a run down and require a full credit check. However, private landlords will let you move in without established credit. Usually, all that is required by these individual landlords is for you to prove income stability. We do recommend that you only rent apartments within your budget, even if you can get approved...

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1. Rent an apartment from an individual owner

Many apartment complexes will give you a run down and require a full credit check. However, private landlords will let you move in without established credit.

Usually, all that is required by these individual landlords is for you to prove income stability. We do recommend that you only rent apartments within your budget, even if you can get approved for a more expensive place.

You may be able to rent a place without a credit history if you’re able to move in immediately.

2. Offer landlord that you can move in right away

Managing multiple vacancies is expensive for private landlords. They still have their mortgage and utility responsibilities and if they don’t get reimbursed, they are at a loss. Because of this — especially if you live in a place with low rental demand — you may be able to rent a place without a credit history if you’re able to move in immediately.

3. Show your proven income or savings balance

If you don’t have an established credit history, you may be approved if your income is stable and will adequately cover the rent. It’s generally recommended that you keep rent expenses to less than 1/3 of your take-home pay, so if you make $3,000 a month, you’ll want to look at apartments with a monthly rent of less than $1,000.

If you don’t have a stable income, a high savings balance may suffice. The savings required will vary depending on the apartment complex or management company, but ideally it should cover several months of rent payments.

4. Tell landlord you can pay extra upfront deposit

Landlords will be more likely to rent to you if they have the rent money in hand for a few months. By paying two to three months upfront, your landlord won’t run the risk of you not paying, at least for a period of time. Make sure this payment is well documented, so you can get it back at the end of your lease.

5. Reference letters will help your cause

Prove your character by providing professional references from past employers, professors or teachers. The general assumption is those who are responsible at work and school are more likely to be responsible with their money. These character references are a good way to show you’re a hardworking, responsible person who won’t be late with the rent.

6. Ask for a month-to-month or short lease

It can take a landlord months to evict a non-paying tenant if the tenant refuses to leave. By signing a three-month lease, or going month-to-month, the landlord can opt to not renew you for a longer term if you aren’t paying. Of course, you know you’ll always pay the rent on time, but you have to prove that to your landlord with a good track record of on-time rent payments.

7. If all else fails, get a co-signer

If there aren’t any other options, ask a close friend or family member with good credit to co-sign for you. Understand that if this person agrees, he or she will be liable for your rent payment if you fail to make it in a timely manner. To keep your personal relationships intact, always make your payment in full and on time.

There are several options for renting without a credit profile. If you have some time before renting your first apartment, follow these ideas for building your credit from scratch. If not, use one or more of the ideas above. Enjoy your new digs!

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45 millions of Americans have no credit score or bad credit http://nocreditcheckapartments.us/lets-face-45-millions-americans-living-without-credit-score/ Sun, 23 Apr 2017 23:54:46 +0000 http://nocreditcheckapartments.us/?p=2961 Are you ever wondering why a landlord is refusing to approve you for an apartment after running your credit checks? Is it because you don’t have any credit established? Well, you’re not the only one. As research shows, there are close to 26 million Americans that do not have any credit history with any of the credit agencies, such as TransUnion, Experian or Equifax. Another...

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Are you ever wondering why a landlord is refusing to approve you for an apartment after running your credit checks? Is it because you don’t have any credit established? Well, you’re not the only one. As research shows, there are close to 26 million Americans that do not have any credit history with any of the credit agencies, such as TransUnion, Experian or Equifax. Another 19 million citizens have very limited or outdated credit history that these agencies do not have any credit scores assigned.

How Many People Have Bad Credit? 

Well, this number is even higher and it’s harder to estimate.  Bad credit report affects people daily due to various factors, such as broken leases, evictions, divorces, bankruptcies and more.  
It estimated that about 1/3 of American have a credit score lower than 600, which automatically puts someone below the bare minimum, which speaks for automatic apartment denial. 

How Do Credit Scores Affect Renting?  

Many apartment complexes or private landlords want someone with a credit score of at least 620.  Anything lower than that may indicated a high risk of default on rental payments.
If you have a low credit score, it does not mean that you won’t get approved at all.  Low credit score sometimes means that you have some unpaid bills, perhaps even medical bills or school loans.  You can easily fix them by making the low monthly payments and in a couple of months, your credit would be up to par.
  However, the red flags for every landlord are: unpaid rental payments, evictions or bankruptcies on credit report. It will simply indicate to a landlord that you are unreliable and may default on rent payments at any time.

Ways To Get Approved For a Rental   

Your main goal is to get that credit score at lease to be above 620. It would take some time with proper management.  However, in the short term, in order to get approved for an apartment, we recommend the following:
  • Don’t apply for every apartment  –  make sure that landlords won’t run a hard credit check on you as it will knock some points of your credit score. Pick 1-2 apartments of your choice.
  • Provide proof of employment  –  make sure you can verifiable income of 3 times the monthly rent either in paystubs from employer or in bank statements (if self-employed).
  • Additional References  –  past landlords and current employer are good references to provide
  • Get a Cosigner  –  if your credit is not up to par, your only chance of getting approved is to find a cosigner.  It can be anyone, your parent, guardian or a friend.  Solid income and credit required.
 

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How to Get an Apartment with No Credit or Rental History? http://nocreditcheckapartments.us/get-apartment-no-credit-rental-history/ Sat, 22 Apr 2017 17:42:35 +0000 http://nocreditcheckapartments.us/?p=2860 Apartments with no credit checks are usually hard to come by only because not too many landlords advertise them as such. It is rather a tedious process before you find a landlord who’s willing accept your credit.  You have to call around and it may take time. However, there are still plenty of landlords who do not pay too much attention to your credit, and may...

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Apartments with no credit checks are usually hard to come by only because not too many landlords advertise them as such. It is rather a tedious process before you find a landlord who’s willing accept your credit.  You have to call around and it may take time. However, there are still plenty of landlords who do not pay too much attention to your credit, and may certainly rent out their place to you regardless of your lack of credit, provided that you show a steady job income with paystubs or W-2’s.
Private Landlord vs. Apartment Complex
In most cases, apartment complexes do require rigorous credit checks in order to approve you.  However, private landlords are more flexible in that regard.  They would not concentrate on your credit history as much, but mainly on whether you’re financially stable and able to make monthly rent payments.  Generally speaking, if you looking at apartments in the $1000 range per month, then you must show steady income proof of 3 times the monthly rent or a Gross monthly income of $3000.  If it’s anything less than that and you have less than perfect credit, most landlord would automatically deny you.
Offer to Pay a Higher Security Deposit
If a landlord is iffy about your credentials, it’s always recommended to offer to pay a higher deposit so that you’re allowed to move in.  In most cases, any landlord would cave in to this idea, if you offered a significantly higher deposit, so that a landlord can feel confident about you.
Provide Letters of Reference 
The general rule of thumb is those who take responsibilities at work or at school are most likely to pay their rent on time.  If you have folks who can vouch for you and give you a letter of recommendation about your qualities and your achievements, that would simply boost of your chances of getting approved by any landlord.
Worst Comes to Worst – Get a Co-signer! 
If you have no credit or rental history to get approved for an apartment, then it’s best to just as a close friend or family member with good credit and income to co-sign for you. The unfortunate caveat is to this is if this person agrees and you fail to make payments to a landlrod, then your cosigner automatically becomes fully liable for your rent payments.  In order to avoid a good personal relationship with your friend or family member, it’s always advised to pay your rent in full and in a timely manner.
 

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