Karell Barre…, Renter in Mill Basin, Brooklyn,...

bad credit how soon can i get an apartment

Asked by Karell Barrett, Mill Basin, Brooklyn, NY Thu Dec 12, 2013

Help the community by answering this question:


Depends on just how poor the credit is; also much will depend on the landlord/building, each is different; however you can consider being upfront regarding your credit; be prepared to show proof of employment/pay stubs; possibly pre-pay some of the rent; possibly offer extra security; have some reference letters handy; consider a guarantor, etc.
1 vote Thank Flag Link Thu Dec 12, 2013
It all depends on why your credit is "Bad".
How much debt do you have to income?
Do you have judgments that you have made no effort to clear up?
No credit can, and often is seen as bad credit. If the agent that you are working with is only looking at your credit score and is not looking at the whole picture, how can they present you well to a Landlord?.
Remember what landlords want to see is that you can comfortably afford to pay the rent you are applying for and will not start seeing less income because you are having wage garnishments. As well as seeing that you conduct your affairs in a responsible manner.
So cut your rental budget to cheapest apartment that you can find, while you are paying off your debt etc. And show that you are working to take responsibility for your issues and I am sure you will find an apartment and a landlord that will give you a chance.
Just maybe not the sexiest apartment in the latest "IN" neighborhood.
All the best,
Kathryn Lilly, Broker
Realty on the Greene, LLC
1 vote Thank Flag Link Thu Dec 12, 2013
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0 votes Thank Flag Link Wed Jan 15, 2014
Dear Karell:

If you are willing to pay a full years worth of rent up front it will help. It also depends on how bad your credit is and why. We would need more details to give you a better answer.

You may also want to try and have a credit repair company help you fix up your credit first. You would be surprised what a good/ legitimate one can do to help you. If you want contact me direct and I can refer you to someone w

Mitchell S. Feldman
Associate Broker/ Director of Sales/ e-Pro Realtor
Fillmore Real Estate
Office: (718) 252-2000/ Cell: (917) 805-0783
Email: MitchellSFeldman@aol.com ho can help you. Either way, good luck!
0 votes Thank Flag Link Thu Dec 12, 2013
You need a guarantor. There are some landlords that may take you but ask for an extra month's rent.
0 votes Thank Flag Link Thu Dec 12, 2013
0 votes Thank Flag Link Thu Dec 12, 2013
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