How Can I Do a Credit Check on Myself
Can credit card company garnish bank account if in collections?
Question
renting an apartment with no credit?
I am looking to move into a studio by myself in San Francisco, but the problem is I have no credit at all. I have lived in two apartments in Los Angeles over the past three years, but always with another roommate. We have always used his credit for the credit check and we have always had to pay a little extra before moving in. I have never been late with rent (is there some sort of report that can show that?) and make a yearly salary of about 40k. What are my chances of getting a decent studio for around $900 a month? Also, I could probably get someone to cosign. Keep in mind that I'm 23 years old. Thanks in advance I have never opened up a credit card, or gotten any loans. All payments have been through my debit card.
1 month ago - 2 answers
Best Answer
Chosen by Asker
No credit isn't bad credit which is a point you need to stress to prospective landlords. Still the credit report is the most reliable judge about if a prospective tenant will pay his/her rent on time. Since you do have a rental history, I suggest you be proactive and bring it to their attention as an "alternative form of credit". This should include locations and contact info of previous landlords. You also might want to prime your past landlords that someone may be calling them for verification. You could even take it a step further by showing that you have always paid your utility bills (the ones you had in your name alone) on time too. Having a co-signor in your back pocket is great, but try not to play that card until there is no other option. Good Luck
by linkus86
1 month ago
Asker's Rating: 
Other Answers
Do so research.... I found great credit advice (including renting with no credit or bad credit) in a book called Credit Repair 411
by buyingtime- 1 month ago