You know what I don’t like? Surprises…
I rent quite a few apartments and houses. Your credit does matter. Credit history is only a part of the picture. Your present income and savings also add to the picture I present to the landlord. I also reach some conclusions about how nice you are to deal with. Were you on time? Respectful? Organized?
So right about the time you decide to apply for the apartment, is when you should mention that you have bad credit. I will then ask you how bad… which you should answer honestly. Some owners are more forgiving than others and it depends how strong the rest of your application is, how far in the past the damage occurred and how you are doing now.
When you show up to the showing and you’re well dressed and professional, I’m going to assume that you have decent credit. If for instance you are in an undischarged bankruptcy I need to know. If you have defaulted on every single credit card you have ever owned I need to know.
I Can Possibly Help You Get The Apartment!
If you have bad credit, but a good job or even seem like a good candidate, I can perhaps make a educated guess about your candidacy and talk to the owner about your application. If you leave me to discover your horrible payment history when I actually perform the credit check, it speaks to a lie of omission and deception and I will not approve your application. Some owners have had bruised credit of their own and will be more understanding of difficulties, others just won’t even think of accepting you. I can tell you which is which and save you and me a lot of time.
I need to be the first to know not the last…. so be honest.