Credit check for apartment what do they look for?????
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today i looked at an apartment and had to pay a $35 app fee for a credit check. i dont know my score but i know my credit is not that great although all the bad things on it would be very old back from 1999 the most recent being back in 02. and they would be chargeoffs taken off my report very soon. i also am default on student loans (waiting for forgiveness) and did tell all this to potential landlord cause i wanted to be honest at least. i have no problems with evinctions or any of that stuff. i have had some parking tickets? im married and my husband salary is $800 weekly and the rent there would be $750 monthly. so i think income wise we'd be great. what exactly does a landlord look for? what information is on the credit report he orders? my husband really wants this apartment and m so afraid we wont get it because of me....
Credit check for apartment what do they look for?????I'm not sure how you can't afford your student loan payments with no current debt. What you don't understand is that they don't do the whole "forgiveness" thing. They'll attach leins to you assets and garnish your wages to get their money. You can screw over your creditors, but not the government when it comes to student loans.
They offer re-payment plans where they erase some of the fees you've incurred if you pay on time for 6 or 8 months in a row (you set up a automatic wd from you bank account). They also report to your credit agencies that you've always been current - so it'll help your credit score.
The landlord will see your entire credit history. With the student loans in default, he can argue that you're continuing to be irresponsible, and if you can't pay $100 a month in student loans, you can't pay $750 a month in rent.
If you really want this place, start paying your bills!
Credit check for apartment what do they look for?????The landlord will be looking for prior bankruptcies, outstanding debts, monthly income. You may make $3200 a month, but if you have $50,000 in debt and 2 new cars, paying for your rent may be harder than it looks. They want to make sure you are responsible for paying on time and not missing payments.
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