Where can I find an apartment that does not require a credit check?

Asked by rasshaglenn9, Atlanta, GA Mon Feb 18, 2013

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Bruce Ailion’s answer
Bruce Ailion, Agent, Marietta, GA
Mon Feb 18, 2013
Sounds like you have been turned down already. Your best bet would be to find an owner not represented by a professional REALTOR or property manager who will not check your credit. Often owners are inexperienced and fail to take the steps necessary to protect themselves from the risks of tenants with a history of not paying their rent.

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1 vote
Robert A Whi…, Agent, Roswell, GA
Mon Feb 18, 2013
No where that I know of.

You might (depending on your credit problem and cash position) try offering 2-3 months of security deposit instead of one.
1 vote
Cieara94, Home Buyer, Atlanta, GA
Thu Jan 21, 2016
what apartment complexes don't require check stubs and take cash deposit?
0 votes
Don Lantier, Agent, smyrna, GA
Wed Feb 5, 2014
your best bet is to call a number of apartment complexes, tell them your circumstances and ask them if there is anything informationally that you could supply to them that would bypass a bad credit report.
0 votes
Jeff Jackson, Agent, Atlanta, GA
Tue Feb 26, 2013
I think that you are going to have a really hard time finding an apartment complex that doesn't do a credit check. Your best bet is renting through a private owner, being up front about your credit, and offer an additional deposit b/c of your credit.
0 votes
William Pola…, Mortgage Broker Or Lender, Suwanee, GA
Mon Feb 18, 2013
You may also want to consider buying instead of renting. The payment on a house may be less than an apartment and there are products available that don't take your credit into consideration.
0 votes
I am asking about a program to purchase a home without a 620 credit score. My score will not go up since my bankruptcy after being discharged for 5 years. I do have credit card debt that is maxed out because of medical bills but i am paying them down now. Meanwhile I'm paying way too much for rent and could easily make mortgage payments.
Flag Tue Jan 24, 2017
Thom Abbott, Agent, Atlanta, GA
Mon Feb 18, 2013
Would you give your car keys to a complete stranger and hope they return it, without having some form of "security?"

Think of it the same way. Your Credit is your security.

Now, I completely understand that people have had financial difficulties as a result of our economy. You may be able to secure an apartment with a First, Last and Security Deposit, but most likely they will still check your credit to see WHAT it is that made your credit bad. It can sometimes can be explained (medical bills, job loss, etc) and you may be given the opportunity to show you are making/taking steps to correct it, and get on firm ground.

But I can't imagine a place that would not check your credit. If you offered me ONE YEAR in advance on rent, I'd still pull your credit report.
0 votes
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