If you have no credit, like first-time renters, college students, half of a divorced couple with no

A poor credit score can not only keep you from getting a mortgage, a car loan or an extra credit card, it can keep you from being able to rent an apartment as well. Just like car dealers and mortgage companies, landlords want to know you pay your bills and your rent on time. The only way they can tell for sure if you're a good financial risk is to look at your history, and that history is your credit score.
dinner cruises in baltimore Your credit score is a number on a range between 300 and 900. It should fall on the high end, somewhere close to 650 or higher depending on what part of the country you're in. A 300 practically guarantees a landlord that you'll come up short if they rent to you. A 900 credit score means you're an excellent credit risk.
The numbers in your credit score are based on a complex analysis of your credit or, more accurately, your payment history on loans, rent, credit cards and utility bills over time. The higher the number, the more likely you are to be creditworthy, meaning there's a greater likelihood dinner cruises in baltimore you'll pay your bills in full and on time than not.
Being evicted for any reason, or a bad landlord record, can almost guarantee you a denial from some managers, even with good credit. But most property managers will weigh all four criteria. They'll look at your credit scores along with your overall credit history, your landlord history and your employment history. If you have a low credit score because of medical issues or a one-time blow to your record due to something like divorce dinner cruises in baltimore or unemployment, dinner cruises in baltimore but you've also got a good employment history and you now meet income requirements, chances are you'll be able to find a rental.
What property owners are looking for is proof, or assurance that you'll be a good tenant, not destroy their property and that you will pay your rent on time. That's why good credit matters whether dinner cruises in baltimore you're buying or renting, particularly if you're renting from a large apartment complex.
If you do have poor credit history, you might find someone dinner cruises in baltimore willing to rent to you — but they may charge a larger deposit and require an extra month's rent in advance. Some will require first and last month's rent and a month's deposit. The extra month ensures they get paid for the 30 days it will take most landlords to evict you. If you're in a situation dinner cruises in baltimore where you're likely to be evicted, it's better to move first and make arrangements to pay the back rent; that will protect your record dinner cruises in baltimore rather than adding a strike against you.
Having poor credit doesn't mean you'll never be able to rent. It just means you'll need to find a place that doesn't run credit checks. Look for private property owners, friends, sublease opportunities and properties that rent month-to-month rather than on a lease agreement. They're less likely to run a credit check because they require your rent a month in advance. Find a place you can rent and work hard on building a good rental history and a solid relationship with your landlord as well.
If you have no credit, like first-time renters, college dinner cruises in baltimore students, half of a divorced couple with no individual credit history, you can also get a co-signer, someone willing to agree to pay your rent if you default or are late. Remember though, dinner cruises in baltimore this can harm your co-signer's credit and your relationship with them if you default and they're forced to pay. Co-signers are usually friends or family willing to take the risk that you'll pay and not let them down.
If you're renting now, make sure you have an excellent payment history, or stay there long enough to create one. Six months is okay, but a year or more of paying dinner cruises in baltimore on time is even better. A spotty job history is a no-no as well, even if it's legitimate; landlords want to see some stability. Don't give up your current apartment until you have a signed dinner cruises in baltimore lease on your new place in hand. Just like a job, it's easier to rent an apartment when you have one.