How Do You Find A Place To Live Without A Good Credit Score?
You make a few mistakes.. Like getting a credit card and missing a payment so they up the interest like 25%. Then you lose your job and you cant make payments.. So they drop your credit down to 550. So now this number.. 550 can dictate every important thing in your life.. Like finding work. Ya know they do credit checks for hiring now? Well then you have to take some crappy job for less pay and more work.. Then you have to get your own place so you shop around.. Oh big surprise! Every single friggin place you call expects a credit check.. If you have under 600 credit score then they tell you to piss off. How are kids supposed to survive without parents who are willing to cosign for everything? You cant get a car, a job or a place to live. Im not sure if its like this everywhere in the country.. But atleast here in South Jersey it is. How can they expect kids to move out before their 40?
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Welcome to the New World Order.
It’s pretty much like jlf said about finding someone private. If you go the regular system route you are nothing but a numerical analysis in a computer and they know what your habits, purchases, and all actuarial potentials for good are to be (don’t study that last fragment too long, it doesn’t make much sense to me either)
But there are people out there, especially now, that hate government forms, and credit checks and red tape in general. Like me. I had a another house that remained empty for 5 years because I had a bad renter and it scared me off from renting it out any more. So I made all the payments and insurance and property taxes and all that for no reason other than my fear of future renters. Now , just to clarify, I checked out that bad renter with all the normal things including the credit history, former landlords, references and all that.
But like all things, things changed for that renter and thus changed for me. She divorced and got a partyer boyfriend, who invited tons of low-lifes over who ended up trashing the place.
Anyway, what I’m telling you is if you approach a person who owns a house or apartment and it isn’t pulling in any income, there is a good chance you’ll find someone who will rent out on a gut feeling because , like me, they hate paying out all those expenses on an asset not making them nothing.
Like in the above house I spoke of, I finally rented it to a daughter of a lady I knew personally who was going to a nearby university. I did absolutely no checks other than meeting the girl and summing her up for disaster potential or not. I didn’t even make up a lease. Pure gut only, because I hadn’t made a cent on the house in 5 years anyway. It went so well for a little over a year, and she ended up taking up a offer that I didn’t even remember making ,which was a lease to own, and that’s what happened. She ended up buying the house.
So anyway, it’s a numbers game. You might have to knock on the proverbial doors a lot more times, but there are lots of landlords out there with circumstances that might make them make exceptions to the usual protocol. Good luck, even though I don’t think you’ll really need it. Lots of poor landlords out there who are getting desperate quick and just need a income stream. But don’t call, make PERSONAL appearances, much more effective. Plus human nature makes it a lot harder to say no in person than on the phone.
sorry lara but i don;t know how it works on your side of the pond but it sounds like the b-a-s-t-a-r-d-s have you over a barrel. get yourself back over to blighty and you and your chap move up north! its freindlyer and cheaper than london!
“They” don’t expect anything one way or the other. Life is not fair. Your best bet will be to try a private landlord rather than a commercial apartment complex.
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