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Can I Rent a Home if I Have Low Credit

By Jynette DeMarco

Yes. Landlords generally prefer to rent to those with a higher credit score because they use it to predict how reliably you will pay off each month's rent. The landlord of a house is the one who makes the final decision if you can rent from them or not. This means that the likelihood of you renting with a bad credit score depends on how much weight the landlord puts on it in their decision making process.

Some landlords, however, do not place much importance on credit scores. In the end, landlords are searching for people to fill their vacancies. If you prove to be the right candidate and have the ability to pay, you are likely to be able to rent from them despite your score. Even if they do rely on scores, there are some simple tips you can follow to optimize your chances of renting.

  • Get a cosigner. Having a cosigner often puts landlords at ease by knowing there is an alternate source of payment should you ever be incapable of producing the monthly rent.

  • Get a recommendation. Having a previous landlord vouch for you helps prove that you not only paid rent on time but were a good person to work with.

  • Pay upfront. Offering to pay more money upfront for the rent is an appealing idea to a landlord because it shows that you will have the funds to pay for rent in the future.

  • Avoid a credit check. If nothing else works, there are some landlords that simply do not care about credit scores. These people tend to ad advertise in cheap ads or free newspapers.

Although it is clear that your credit score does affect how easy it is to rent, there are still many people who are willing to rent to those with low credit scores.

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