Every situation is different and many of us have made stupid mistakes in our youth.
I would search out private landlords over management companies. Management companies have set procedures and guidelines they follow to a â€œTâ€ for every applicant.
Search through craigslist and Domu for private landlords. Make sure you are honest and upfront with the landlord you wish to rent from. If you can find a family member or friend with good credit who is willing to co-sign on the lease for you that would be a BIG PLUS. Be prepared to pay additional monthâ€™s upfront and/or additional security deposit.
I assure you you will find a landlord that is willing to work with you and maybe a broker here on Trulia may now of a landlord that will work with you.
Thank you for your service in our armed forces!
Best of Luck!
A lot of independent landlords will take into consideration and even favor the fact that you are military! Don't be afraid to make application and be sure to submit a letter of explaination as to what happened, be honest and straightforward and be sure to mention your status as a navy reservist. You might be asked to bring in extra security deposit.
Your long term goal should be to improve your credit scores.This will matter if you plan on buying a home in the future. You can follow the tips below to attain this.
You need to ask yourself, "Why should a landlord rent to someone like me?" You are in Reserves (that's good), Do you have a good job? Can you get good personal references, from a boss, teacher, previous or current landlord, your Naval Reserve commander, etc.? Finally, can someone co-sign the lease with you?
In other words, can you overcome you bad credit with personal positives? If you can answer yes, then there are some landlords out there who would be happy to rent to you.
You should work with a credit repair agency to get the old stuff permanently behind you.
Contact Joann Sworan 312 203-7355, she is simply the best. She is fair, honest and will get you results.