If you have bad credit, you may be worried you can’t get an apartment. In some cases it can be very hard for you to get an apartment – but people with bad credit get apartments every day. It simply takes practice, research, persistence and patience. Getting an apartment when you have bad credit also takes having a good attitude and personality. Let’s talk about how you can get a great apartment you love, even if your credit is bad.

It is best if you can avoid a credit check. We don’t have to tell you that a credit check will easily show your negative credit report. This may make any landlord uneasy about renting to you. Fortunately some landlords don’t bother to run credit reports. As you look at different apartments they will tell you if they run a credit report. You can even ask if they will run a credit report. Be careful though because your asking if they run a credit report can raise a red flag with them, making them wonder about your financial situation. It is better to ask them about the rental procedure and what type of application you need to go through.

Consider getting a co-signer for your apartment if your credit is not good. Having someone to co-sign your lease is an excellent option if you know your credit is not good and they want to run a credit report. This can be very helpful. But remember that this makes the co-signer legally liable for your actions. Don’t put someone else in a bad situation – be sure that you are going to be responsible about your apartment and rental circumstances.

Realize that an apartment with no credit check can cost more than one with a credit check. Landlords realize that people have bad credit and they are looking for a place to stay. They know they can charge higher rates because these people have fewer options than someone who can confidently run a credit report. In many ways this puts you in a challenging and frustrating situation. Work hard to improve your credit as you are looking for an apartment. The more changes you can make to your credit report, the better a circumstance you are creating for yourself. Run your own credit report regularly and see how it is improving.

Moe Bedard
My name is Maurice "Moe" Bedard. I am the founder of America's #1 Mortgage Forum, LoanSafe.org. My online work has been featured in the New York Times, LA Times, Fox Business, and many other media publications.