Can people get into an apartment if they have bad credit?

SAL H: Can people get into an apartment if they have bad credit?
My husband and I have previous divorces which has left our credit scores pretty poor, and next year we are planning on moving into an apartment. I called one apartment complex and they said they go to a website called “on sight”. And its just a pass or fail from there. Is there someone out there that works at an apartment mangmnt office and can let me know. We don’t want to waste our money on application fees, if we are just going to be ultimately told no, as app fees can be up to 60.00 a person for every apartment complex we are interested in.
I forgot to add that I did ask one apartment complex if we wold be asked to pay more in deposit, and they said no, its either pass or fail……..of course that was just one apartment complex though.

Answers and Views:

Answer by BELLE3
First, after you find an apartment that meets your needs, either discuss with the rental agent having a co-signer on the lease with you or if you have the funds, paying up to 6 months rent in advance.
It seems like a lot of money up front but you cover the one month in advance and the deposit for the last month’s rent, so that may help.
I hope things go smoothly for you.

Answer by iceman
Well lets see. My dad has rented condos and homes for 30 years and has never checked a credit score. When I got my first apartment they never checked my credit score.

The larget the complex the more likely they are to check and base a decsion your credit. Mainly because they have set guidelines they have to follow. Even if they do check you credit and it comes out bad, normally they will just make you put down a larger security deposit, or come up with a couple months rent off the bat. And if for some reason they reject you still from there, just try someone else. There are thousands of desperate landlords out there just waiting for tenents.

Just like lenders, some landlords are more robotic and go by a pass/fail system. And some are more realistic and just use there best judgement and extra security deposits. Dont worry if this one fails you there are still plenty out there that will take you.

Answer by spadezgurl22
to be honest if ur score is under 600 you will have a hard time renting. generally speaking some buildings will over look that if you have an combined income that exceeds 100,000. you could always ask before hand, what their minimum credit score is and if you dont meet their expectations then can u pay an additinal month of security. (which some people allow this as an extra security) or you can offer to apply with a “guarantor”, which is a third party whos name is on the lease but is not an occupant that will have good credit. they need to prove they make 80 times the monthly rent in order to help guarentee your apartment. the best thing to do is find out what the minimum credit score they will accept and if u can provide addtional security desposit for yourself. know this stuff ebfore applying so that you know if u will qualify, good luck!