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Blog Aug 9, 2012

My Credit Sucks: Rent an Apartment


For those who say, “My credit sucks,” renting an apartment may seem to be impossible, as more rental agents are requiring credit checks before a lease is issued. In reality, however, it may be easier for someone with bad credit to get a sub-prime mortgage than it is to rent an apartment in today’s economy. That said, there are things you can do to fix bad credit and improve your chances of renting an apartment.

Pay a Few Months in Advance

One way to improve your chances of renting an apartment when you believe “my credit sucks” is to pay a few months’ rent in advance. Although this may reduce the cash you have available for other moving expenses, paying a few months’ rent in advance indicates to the landlord that you are responsible, and that you are serious about paying your rent on time, despite past credit problems.

Letter of Recommendation

Another option for those who say “My credit sucks,” is to obtain a letter of recommendation from a previous landlord. A leasing agent may be more willing to forgive your credit indiscretions as long as your rent payments were always on time in the past.


Just like purchasing a vehicle, if you claim, “my credit sucks,” you may need to get a co-signer for your apartment. Because leases are not reflected on credit scores, co-signing an apartment lease will not damage your co-signer’s credit score like an auto loan would, but if you fail to pay your rent, the co-signer agrees to take responsibility for paying the rent.

Avoid a Credit Check

Larger apartment complexes are more likely to require a credit check in order to rent an apartment to you, so if you are one of those who says, “my credit sucks,” consider renting from a private owner, or renting a room or apartment in a private home. Check local newspapers, or even Craig’s List for apartments in smaller buildings that are rented directly by the owner and not a management company, as they are more likely to rent without a credit check.

There are options out there for those who say, “My credit sucks.” One way to help build credit and reduce your monthly costs is by investing in cheap prepaid electricity through Payless Power.  For more information on cheap electricity, call 866-206-7986 or visit us online.

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