(Closed) Credit Check for Rentals?

posted 6 years ago in Home
Post # 3
Member
408 posts
Helper bee
  • Wedding: September 2012

That’s tricky. You could try putting the lease only in his name, or you could explain when you submit the form that you know your score is low, it’s Ian old issue, and you’re working diligently to resolve it. Good luck!

Post # 4
Member
1144 posts
Bumble bee
  • Wedding: December 2011

@chocolatecoveredstrawberry:  I would rent though Craigslist and skip the realtor, but anywhere you go the owner or property management will wlikly pull both of your credit statements if you need both of your incomes to qualify.

Post # 6
Member
1548 posts
Bumble bee
  • Wedding: November 1999

The credit required to rent an apartment is usually significantly lower than what’s needed for buying a house or car or other things, so you may be ok. Most places require a credit check for everyone on the lease, and most places require all residents to be on the lease. 

Post # 8
Member
10603 posts
Sugar Beekeeper
  • Wedding: January 2011

The realtor is working for you, right?

If so, I would just be upfront.  She should be able to help you out as to the best option.  It might depend on the property as well.  Some places are way more strict than others.

Post # 9
Member
1177 posts
Bumble bee
  • Wedding: June 2013

@chocolatecoveredstrawberry:  If the lease will be just in his name, and he can qualify on his income alone, they should be able to just use his credit report.

Post # 11
Member
9139 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

@chocolatecoveredstrawberry:  We have less than stellar credit but we were still approved with an additional security deposit.

Post # 13
Member
10603 posts
Sugar Beekeeper
  • Wedding: January 2011

@chocolatecoveredstrawberry:  It’s possible to just have the lease in one person’s name.  Darling Husband wasn’t around to get his name on the lease for at least one year (the office here kept screwing up when he could be around).  He had a tenant agreement, but the lease itself was only in my name.

Post # 15
Member
10603 posts
Sugar Beekeeper
  • Wedding: January 2011

@chocolatecoveredstrawberry:  It shouldnt matter that you contacted her.  You both have to live in the place!  She should be working for both of you, even if your name isnt on the lease.

It sounds like you feel a little self-conscious.  Just remember, you`ve hired her!

Post # 16
Member
10366 posts
Sugar Beekeeper
  • Wedding: September 2010

No, you can’t just use his score. If you are both on the lease (and legally you will need to be, and i’m sure the agent won’t want to work with you if you aren’t), you need both scores shown.

Another option is doing private rentals through individual landlords instead of through managed buildings. Not sure what the area you live in is like – we have a good mix of both here. Private landlords tend to rent by “feel” of the potential tenant more than credit checks.

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