If it turns out that your credit rating is still not so good, you aren't out of options. We'd recommend trying to find an apartment directly from an owner of a small building, as opposed to going through a broker or management company. Small-time owners are more likely to be flexible. Check out the apartments listed by owners on craigslist to start out.
But you probably won't have too many problems. If you're upfront with your future landlord, your husband has decent credit, you have a good history of paying rent on time at your previous apartment, and you've got your in-laws on deck to co-sign if needed, you'll be fine. People with poor credit do get NYC apartments; their landlords just need assurance that rent will be paid on time.
If this proves to be too difficult, it is possible for just your husband's name to be on the lease. As the spouse of the lessee, you would have all the same legal rights as he would. (If you weren't married, though, you would have a much more difficult time; roommates who aren't on the lease have few rights.)
So, really, it's your decision: if it is important for you to be on the lease, we're sure you can still find an apartment even with the bad credit history. If not, you can easily rent an apartment in just your husband's name.
DOM PASCUAL, J.D., ESQ.
ASSOCIATE REAL ESTATE BROKER
"Your Experts in NYC Luxury Apartments & Lofts"
304 Park Avenue South
New York, NY 10010
Cell: (631) 741-2764
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** All information contained herein does not constitute any warranties, offer or commitment or obligation of any sort and/or kind whatsoever and is subject to change, error, omission and/or withdrawal without prior notice. **