(Closed) Credit Check for Rentals?

posted 8 years ago in Home
Post # 18
Member
2514 posts
Sugar bee
  • Wedding: December 2011

DH has bad credit but i have excellent credit. the place we’re in now is really strict about credit scores and history but since mine was so good, they were willing to overlook his (they had both of our credit reports) and gave us the apartment.  it’s possible that will happen with you too if your FI’s credit is excellent. 

Post # 19
Member
384 posts
Helper bee
  • Wedding: July 2013

Honestly, I have a bad credit score as well and Fiance is a lot higher than mine. We were sick of our one bedroom apt so contacted a realtor to find a house to rent (since we’re not in the position to buy yet, for both financial reasons and not sure where we even want to settle). We explained to the realtor our situation. We did find a house (TODAY ACTUALLY!!! YAY!!) And when we went to sign the lease, the realtor said it was more looking for evictions and judgements as people who are renting typically aren’t in the highest quadrant for credit score. I think if you’re upfront about it you’ll find the same. Happy hunting and good luck!!!!

Post # 20
Member
10635 posts
Sugar Beekeeper
  • Wedding: January 2011

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@crayfish:  Why do both people need to legally be on the lease?

Post # 21
Member
2065 posts
Buzzing bee
  • Wedding: December 2011

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@AB Bride:  It varies of course, but when I worked in apartment leasing, we required anyone living in the apartment that was over 18 to be on the lease and would fine the leaseholder if we found out an unauthorized occupant was living there. Same issue when I ended up renting a house later on with a friend – the lease explicitly stated that anyone living in the house must be on the lease.

Have you talked to the realtor about the issue? I’m sure she’s encountered similar issues dozens of times and will have a better idea of how to get around the problem.

Post # 22
Member
10635 posts
Sugar Beekeeper
  • Wedding: January 2011

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@misspeanut:  DH wasn’t unauthorized, he just wasn’t on the lease.  He had to sign a one-sheet document.  I might have the term wrong, but I think it was an occupant agreement (not tenant like I said earlier).  Basically, they confirmed he was living in the suite, but I was responsible for paying the rent and that he followed the rules.

Does a similar agreement not exist in the US/all states?

Post # 23
Member
1144 posts
Bumble bee
  • Wedding: December 2011

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@AB Bride:  typically anyone over 18 living in the house must fill out an applicication. Different people/landlords define what living in is defined as either a certain number of night stayed along with age. Not adding someone to a lease can be grounds for eviction. Utilitys sometimes bill per person in a household for water, sewer / garbage. Plus there’s people on parole and sex offenders that need to be checked and have a registered address.

Post # 24
Member
10635 posts
Sugar Beekeeper
  • Wedding: January 2011

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@Captain013:  Wouldn’t all of that be covered by the occupant agreement though?

Post # 25
Member
2065 posts
Buzzing bee
  • Wedding: December 2011

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@AB Bride:  I don’t know if it’s the same everywhere, but for us a person could only be considered an “occupant” and not be legally responsible for the lease if they were under 18. Once you were considered a legal adult, you had to be added to the lease as a leaseholder.

Post # 26
Member
1144 posts
Bumble bee
  • Wedding: December 2011

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@AB Bride:  I believe you are also on the lease and legally obligated but I have never persued an occupant agreement. It won’t matter that the pp’s credit is crap if she has someone else signing on that has good credit. They don’t change rental prices based on credit. A management company just may not pick them for the rental if there is competition.

Post # 27
Member
10635 posts
Sugar Beekeeper
  • Wedding: January 2011

Sorry for going slightly off-topic!  Just good to know if we ever end up in the states.  What happens if someone moves in part-way through the lease.  Is it just amended, or does a new one have to be signed?

Post # 28
Member
1577 posts
Bumble bee

If you are able to talk to the landlord, it usually helps. I have better credit than my husband, but he is the money-maker, so we always end up jointly applying. My landlord had a credit check, but we let him know ahead of time about our situation, and he said it was just protocol anyway and that they don’t take the credit check too seriously unless it is one of a number of red flags for an applicant.

Post # 29
Member
254 posts
Helper bee
  • Wedding: September 2015

You’ve probably found the answers you’re looking for already, but if it helps any, Fiance and I were in the same boat for our rental. I had strong credit but had just started a new job, he has bad credit due to what sounds like something similar to your history. When we applied, we spoke directly to the property manager and just gave him a heads up about the history. But we also supplied strong work references, and I requested a letter of recommendation (or whatever – something just saying we always paid on time) from our previous property management company.

No issues.

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