How can I rent with crappy credit?

Asked by, Tue Jun 18, 2013

We've had some hard times and some not so smart times with our money. In the process of foreclosure and need to be out VERY soon. We don't have a lot of money saved up but need to find a place to rent with at least 3 bedrooms (2 big enough for 2 kids each without bunks as there are 2 teens and 2 little ones).

Help the community by answering this question:

+ web reference
Web reference:


John Scheffert’s answer
John Scheffe…, Other Pro, Prior Lake, MN
Tue Oct 22, 2013
1. Find a place that doesn't require credit checks.
2. Check your credit report.
3. Repair your credit report.
4. Get references.
5. Larger security deposit and/or pay a few months rent in advance.
6. Bank statements.
0 votes
Cody Anderson, Agent, Minneapolis, MN
Tue Jul 9, 2013
Send me an email of the areas you are okay with and I will shoot you in the right direction :)

I personally recommend doing any and all credit repair on your own. Paying someone to do this can be frustrating because there is only so much anyone CAN do. Time heals the wounds.

Cody Anderson, MN Licensed Realtor

Metropolitan Home Team

Phone: 612-242-5752

1 vote
Jeff Scislow, Agent, Apple Valley, MN
Wed Jun 19, 2013

Good recommendations have been given so far, but I recommend you improve your credit and see if perhaps the foreclosure could be removed entirely (rare, but it does happen).

Contact United Credit Consultants: 1-800-455-4100

Best of Luck!
1 vote
Vitaly Petrov, Agent, Silver Spring, MD
Tue Jun 18, 2013
Pay up front as much as you can.
Give two month security deposit.
Show your bank statement and pay stubs.
With respect
1 vote
Anna M Brocco, Agent, Williston Park, NY
Tue Jun 18, 2013
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
Gail Strom, Agent, Apple Valley, MN
Sun Nov 24, 2013
Finding a rental with poor credit is challenging but not impossible. Your criteria may be up for grabs a bit but again, it's possible. The thing to keep in mind is that you should have a credit repair program in place even before you look. It will show the potential landlord that you are proactively working toward building a good credit history. The benefit of actually improving your credit will allow you so many more opportunities in the future.
0 votes
Chris Block, , Saint Paul, MN
Wed Jun 19, 2013
Start contacting as many property management companies as possible to find out their policy on recent foreclosures. That is the only way to find the ones that will work with you.

Because for the most part you will attempt to rent from a private party/individual. They won't care as long as the income is there.
0 votes
Mindy.root@g…, Renter,
Tue Jun 18, 2013
And we really just need a chance to start over! Please help!
0 votes
Search Advice
Ask our community a question

Email me when…

Learn more