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Renting a Home With Bad Credit

By Jynette DeMarco

Renting a home if you have a bad credit score can make a difficult task even harder. Landlords generally prefer to rent to those with a higher credit score because they use it as an indication of how well you will be able to pay rent. The landlord of a house is the one who ultimately decides if you can rent from them or not. This means that the chances of you renting with a bad score are determined by how much importance the landlord places on your credit history.

Some landlords, however, do not place much importance at all on credit scores. More than anything landlords are searching for people to fill their vacant homes. If they think you are the right candidate and you show you can pay rent, they are likely to ignore your score. Even if they do rely on scores, there are some simple tips you can follow to increase your chances of renting.

  • Pay upfront. Offering to pay more money upfront for the rent is an appealing idea to a landlord because it shows that you will have the funds to pay for rent in the future.
  • Get a cosigner. If you have a cosigner the landlord will know that there is an alternate source of payment should you ever be incapable of producing the monthly rent.
  • Get a recommendation. Having a previous landlord vouch for you helps prove that you not only paid rent on time but were a good person to work with.
  • Avoid a credit check. If these options do not work, keep in mind that there are some landlords that simply do not care about credit scores. These people tend to ad advertise in cheap ads or free newspapers.

Despite it being harder to rent a house with a bad credit score, it is far from impossible. There are countless of understanding landlords who are ready and willing to rent out their houses as quickly as they can.

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