are there any places not doing Credit Checks?

Asked by Markell.watts, Raleigh, NC Wed Sep 18, 2013

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Lori Walls, Agent, Raleigh, NC
Mon Sep 30, 2013
Usually your credit is always pulled. You can sometimes work with a private owner. If you have a copy of your credit report and can explain the reason why your credit is low you may be approved.
Positive things that can help you are good work history, steady income and no criminal record.
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Kim Benedict, Agent, Overland Park, KS
Mon Sep 30, 2013
Credit checks are pretty standard these days and hard to get around due to so many people having bad or even fair credit after the housing crash and lack of jobs. The credit check is to protect the landlords from possible property damage.

If you have bad credit and a good reason for it as loss of work , injury, illness landlords can be pretty for giving when they know the reason for the credit issues... write a short note telling the reasons why you have credit issues and give it to agent or potential landlord so they know why you have this going on and it helps them be more understanding and may open the doors for you to rent the place you want.

Good luck to you!
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Johnny James, Agent, Palmdale, CA
Sun Sep 29, 2013
Individual landlords may not require a credit check.
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Janet Sher, Agent, CARY, NC
Wed Sep 18, 2013
On occasion there may be an opportunity to rent from a homeowner who may not require pulling your credit. However, in some cases, if your credit history is mostly medical and you explain your personal situation to property management, they may require additional monies for your deposit, which may call for your first three or more months rent up front. In the event you fail to pay your
rent on time, you may forfeit the monies on deposit.

The main reason they pull your credit is for their protection to make certain you are a tenant who pays on time and respects their property. If your credit scores are low, I would suggest you work hard to clean up your credit and then you will have many more choices to select from in the future.

Hopefully, I have given you some insight. Best of Luck.
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Ernie Behrle, Agent, Raleigh, NC
Wed Sep 18, 2013
Any firm representing a property is going to insist on a credit check to protect their client. I have found that if you explain your current situation up front and show consistant income, while they may still pull it, may not weigh as much upon the credit scores as normal. Your only other chance would to come across an individual owner who is willing to take a chance on you without pulling a credit history. Good Luck!!
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Terry Farnsw…, Agent, Lisle, IL
Wed Sep 18, 2013
Most real estate agents, landlords, and property management companies will do credit checks.

A low credit score is not necessarily an "automatic decline" as long as you are able to explain the negative information driving the score. Did you have unexpected medical bills or a situation beyond your control that affected your ability to make timely payments? If there are extenuating circumstances, the landlord may be willing to overlook your credit profile if you can provide proof of sufficient income, a stable job history, and credible references/proof of timely prior rent payments.

If you have been evicted from every rental you've ever lived at, if you ran 10 credit cards up to the moon and never made any attempt to pay on them, or made a number of other careless financial decisions - it would be less likely for a landlord to take the risk.

You might want to try a contacting a private owner trying to rent their property out, and be completely upfront about your situation from the start. You might also want to consider offering a larger security deposit, or some "pre-paid" months of rent as consideration for your risky credit.

Hope that helps!
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Thomas Bohlm…, Agent, Rolesville, NC
Wed Sep 18, 2013
Credit checks tell the land lord that YOU will pay rent ON TIME and you will be a responsible tenant.

Clean up your credit and more options open up.

Good luck
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Dear Tom...WOW-so not true. People are human beings. The economy has put a stress on families that is unmeasurable. I come from NY and am relocating to the area, we are fleeing NY because the state of economic affairs has crushed our credit. Not because we are not responsible or don't pay our rent/mortgage on time. We had a business that failed in this crises. Shame on you-especially being a BROKER! that you don't understand the human factor. People need a place to live to clean up their credit???
Flag Fri Sep 20, 2013
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