Licensed in Maryland, Virginia and D.C. - 28 Years
Often, if you offer to direct deposit your rent, it may be something they consider over other candidates. Any kind of secured payment arrangement can outweigh credit issues.
Landlords all do credit checks, but the number one thing is to be open and honest with the landlord from the get go. Now, this may not always work, but I am sure you will find a compassionate land lord willing to work with you. We are in a very tough economic climate and people need a place to live. Best
Explain your situation, and don't lie or embellish the truth. I work with tenants like you all of the time, and I know other investors who also would work with you provided you tell the truth.
Also, keep in mind that many landlords are aware of the current economic times; many people are getting displaced from their homes due to foreclosure, and they need to live somewhere. Most potential tenants, like you, will probably have some dings on their credit, so you're certainly not alone.
Put a higher deposit down that might a good option too.
Good Luck and I hope everything works out with you.