If you’re not paying rent, you should be listed as an occupant and the landlord may run a background check. It is my intenetion to move from GA to FL within the next 10-12 months. ☉Credit score calculated based on FICO® Score 8 model. So, how do you rent an apartment with no credit history? Try to find a privately-owned, smaller building. What can I or should I be doing to protect myself and my customers? You can also look for apartment communities that advertise “no credit check.” Ways to Build Credit, Fast. Car loans and other installment loans use a different rate called the debt-to-income ratio. Sure, you’ll most likely need a cosigner, but this is a great way to build credit as long as you pay on time every month. You can find me on Twitter at @apirulis. He says he doesn't have to give me a copy. A landlord who owns a small apartment building might not run a credit check, or he/she may be willing to overlook your lack of credit if they feel good about you. If you think a landlord or property manager violated your rights – or anyone else’s – when using a background check, report it to the FTC. The Best Credit Cards to Use at the Grocery Store, Letter from your employer proving your income. Now its May obviously a tenant googled me and printed out a news paper article which was nowhere close to the truth . This happened 20+ years ago and my life has completely changed since this happened. If a landlord denies your application because of what is in your consumer report, it has to give you a spoken, written or electronic notice about that. In 2007 I was convicted of a class I felony in NC. Thank you for your solution for making many people to homeless just because an offense occur and may not be eligible for place to stay. Section 8 eligibility is determined by local public housing authorities and is based on various aspects of your background and financial profile. Good info! Since most apartments require a credit check, yours will likely come back a giant goose egg – zip. The section 8 program, also known as the housing choice voucher program, is a federal initiative that provides affordable housing to low-income, elderly and disabled Americans across the country. But have you checked your credit report? This article tells what landlords must know when they use consumer reports. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners. In Florida My freind wants to be my roomate The landlord who is on the condo board said that she has to do a background check and she definitely will be approved regardlessnot clean backgound or clean she still has to do it for condo policy and procedure she does not want to do it feeling she is being violted .In the state of Florida or any state or territory does a landlord have a right to do this for a cotenant not on a lease? Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. If you have poor credit, it's possible they'll ask you to pay a higher security deposit so they can minimize their risk. I was asked in the original lease contract about my criminal history. I live in Texas and I am not sure if I can do this. We are now looking into apartments. We will not post comments that do not comply with our commenting policy. We may routinely use these records as described in the FTC’s Privacy Act system notices. what I do not like is a person who has no credit rating is treated like they have a poor credit rating. Ive gotten it together or I probably wouldnt have such good rental and credit history.. Why r apparment managers not forced to be registered with the state (such as c.n.a., nurse,doctir,lawyer ) they are allowed to collect as much as a million dollars a year. Standard these days is first, last and security plus pet deposits (if you're lucky enough to actually find a rental that allows pets). If your credit really is non-existent, you want to aim for 750-850. Number #1 in the nation for homeless. It’s easy and it’s free, and you can unsubscribe anytime you want (although we hope you won’t want to). If you were to divide your rent... Every month, you’ll get an inside peek at what’s happening here at Renterverse – no launch pad required (just an inbox). Actually I cant remember being late on any rental payments in a very very long time. Experian does not support Internet Explorer versions 10.0 and below. This FTC article has information about background checks, and the kind of questions an employer can ask you during the hiring process. I am only hoping someone will see this and respond with the correct answer which I havent a clue what it is. You can read the article, and follow the links in the article to get more information related to employment. Is it fair… @#&^ No! It is your choice whether to submit a comment. Cosigners typically have to have good credit and might also need to show proof of their income. That could be discrimination. Some employers can check your background before they decide to hire you or keep you on a job. Landlords may, so you should too. When considering you for a new lease, landlords will try to determine—among other things—whether you'll be able to pay the rent on time each month. Having a good credit score can open a lot of doors—including the one to your new living situation. Next, don't shy away from places that do check credit.