Trouble getting an apartment when credit check is required??

Question

Hi there,

I have been looking for a new place to live as the place i am in has mold, lots of insects and in the winter time is a ice box... Not good for me, but especially not good for my children!! I have been going crazy trying to find an apartment thats not in crack central or not in the base ment of a house(too damo in most cases) i am just trying to find a suitable place for my children and myself, but everytime they ask for a credit check i get rejected, and i am really not sure why, i have not screwed up an any bills or anything like that... when i was younger i did stupid things like that, how can i correct that?? and most importantly how can i find a place even if it requires a credit check? What can i do for them to except me?? i'm absolutly exhausted from looking and coming up with NO RESULTS!! Any help is appreciated!!

Thanks!!

-Romy.

Answer 1

Have you looked at your credit report?  It is possible that there are items on there that you are not aware of especially since identity theft is so common.  Otherwise, ask why they are denying you.  I think they have to tell you why (sometimes just in case if they are being discriminating in some way).  Maybe there is someone else that is applying making more money than you or has that much more credit than you.

I am not sure on this, but I thought that if they deny you because of your credit, that they have to give you an explanation for denying you and a free credit report, so that way you can correct your credit report if there is an error.  At least that is what happens if you apply for a credit card and get denied so I am not sure how it works for apartments.

Answer 2

You need to find out your credit score, to find out if there is information there that you need to try to get rid of.  Go top the site below and start there.  You should probably also contact your social welfare agencies in your County