It will be nearly impossible to get an apartment here without a job. Landlords want to see that you are employed and the standard formula is that you must earn 40 times the monthly rent as your annual salary. It's great that you have credit, but it is the ability to pay going forward that you must prove as well. I would suggest you try a roommate situation until you have a job here. You could try paying the whole year up front. If this is too difficult for you, you may want to start in a short-term rental and pay that all up front. This is a very tight rental market, and having a job and income is critical, there are few ways around it other than what I suggested.
Pre-paying a year of rent will not necessarily work. The reason is, landlords can't recover damages in court from people who don't have jobs. In our hot rental market, savvy landlords with good apartments don't need to take a chance on you, and they won't.
However, there are smaller landlords and others who would consider your application. These apartments are harder to find, and not as nice. And somebody with a job who also applies will beat out your application.
A guarantor would open a lot of doors for you, and is definitely your best approach. The guarantor needs an annual income of 80 times your rent, if renting with an established landlord.
Otherwise, your best bet is to look in Brooklyn and New Jersey, and find the smaller landlord who would take a chance on you. Put together a strong application, dress well, and have plans for income generation. Also, plan on paying more in rent than people with jobs pay for the same apartment. I hope it works out for you!
Licensed Real Estate Salesperson
New York, NY
Lastly, you might still need to use a guarantor. That would put them on the hook if you didn't pay your rent and they would need to show good credit, income, assets and work history. You will absolutely need to work with an agent/broker. They will get their commission from you. Good luck to you.