No Credit Check Apartments: How to Get an Apartment with No Credit
Abstract
What are no credit check apartments? A no credit check apartment is an apartment that can be rented by anyone regardless of their credit history. Do you need credit to rent an apartment? In most places and with most apartments, you'll need decent credit to rent a home. What credit score do you need to rent an apartment? The minimum credit score you need will vary depending on the apartment, location, and landlord. Why do landlords check your credit for an apartment? Credit checks are an important part of the screening process for landlords. How to get an apartment with no credit There are many strategies you can use to get an apartment even when your credit score is less than desirable. Make a list of what's causing your low credit score and needs to be addressed: High credit card balances Late payments Balance in collections If there are negative marks that seem to be in error, you can contest those errors. Pay off debts Debt is the number one killer of good credit, and there are three debts that have a big impact on your score: Collections debts: unpaid bills that are now with collections agencies Credit card debts: unpaid balances on a credit card Other loan debt known as "Good" debt, such as a student loan Debts in collections hurt you the most and have the longest-running impact, even after the debt has been paid.