how many months rent to pay to avoid a credit check?

Asked by johnpaul.fernandez, Austin, TX Mon Apr 29, 2013

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Katherine, Agent, Shady Hollow, TX
Sat Feb 8, 2014
If you rent from an individual then it would vary by case but if you rent from a property management firm or a Realtor they are bound by law to treat each person equally and therefore if they run credit reports and background checks on anyone it wouldn't matter if you paid three years of rent up front they would have to run the same check on you that they do for anyone else.
Best practice is to be completely HONEST on your application for rental. Certain considerations are made for certain actions. Unexpected medical issues, low overall scores, even bankruptcy usually can be covered by extra deposit or increased deposits. Every agent and/or agency must provide you with their credit criteria if you ask for it. Most companies post theirs online so you have easy, readily available access to it prior to making an offer. If you have had an eviction, make a payment plan with the owner, landlord or representative of the unit to satisfy your debt. Do it in writing and have it signed by the representative and then make small payments or whatever you can timely and regularly so that when the eviction shows up you have proof that you are meeting your obligations. Some if not all companies see this as positive action to a bad situation and will consider you for tenancy based on the payments being made.
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Terry Farnsw…, Agent, Lisle, IL
Tue Apr 30, 2013
Depends on how bad your credit is and the specific details of your situation.

If there are minor issues - such as an unexpected medical bill, or something that can be explained, you might be able to rent with a "slighty" bigger deposit.

If you have been evicted from multiple properties for non-payment of rent, or recently charged a bunch of credit cards up to the moon and are running from creditors........well, that's a different story.

The bottom line is it all depends on how risk-averse the landlord is, and the specifics of your credit history. Every property and situation is different.

Hope that helps!
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Brian Nally, Agent, Austin, TX
Tue Apr 30, 2013
Short answer = pay the full amount of the lease term upfront.

Long answer = every property is different, but properties that are marketed by owners themselves will have some flexibility in the kind of checks that are done on potential tenants. Properties managed by a professional property management company will almost always run credit and background checks.
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Don Moriarty, Agent, Round Rock, TX
Tue Apr 30, 2013
Don't be afraid of the credit check. Go ahead and pull it yourself, see what's wrong, and start fixing it. I can refer you to a reputable free credit repair service. If you're upfront about your issues, and why they happened, and have a plan in place to repair your issues, you should be able to find a place to rent.
Don Moriarty, Broker Classic Texas Properties 512-413-5599
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Allan Griego, Agent, Austin, TX
Tue Apr 30, 2013
Tina's right, full payment may do the trick, however, the answer isn't to avoid the credit check. Key is to have an agent work FOR YOU, who can convince a landlord to rent to you regardless of credit. I've helped a few clients get in rentals who had bad credit. Took some convincing but it's very possible.

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Tina Lam, Agent, San Jose, CA
Tue Apr 30, 2013
There's no set number. You can likely avoid the credit check with a full prepayment.
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