Tip # 1 – Whenever you’re interested in an apartment, always call first and explain your situation.

With the economy absolutely horrible in many states, landlords are becoming more and more lenient when it comes to credit guidelines. Many realize that those with bad credit aren’t all risks, like previously believed. Most landlords or management companies will often tell you upfront what they look for on credit reports and what the absolute lowest score is that they will accept. Many will even approve you if you have horrendous credit, as long as you don’t owe another apartment complex or utility company. So, calling first and giving an explanation for the state of your credit may really work in your favor. At least you’ll know upfront what each apartment manager expects from their applicants.

Tip # 2 – Try to rent from a private owner instead of a realtor or managed apartment complex.

Most apartment complexes are managed, meaning that a professional management company is in charge of approving new applicants for apartments, as well as handling other affairs. Nearly 100 % of apartments that require an “application” also perform credit checks, which you must pay for. So, if you know that you have bad credit, why pay someone to tell you that your credit is just as bad as you thought? Many small, private apartment complexes are often just as nice as the managed ones, yet they are sometimes owned and managed by individuals, who most of the time do not perform credit checks. They may, however, request rental references, which hopefully you can provide. Locating an apartment managed by an individual may take more of an effort, but in the end, it will be worth it.

Tip # 3 – Get a secured credit card

If you don’t plan on moving right away, you could quickly boost your credit score by getting a secured credit card. With a secured credit card, there are no credit checks since the bank will use the deposit that you provide and make your credit limit the equivalent to that amount. Paying your credit card bill on time each month will boost your score more than you may think, so by the time you’re ready to begin your search for a new apartment, your credit score should be high enough to satisfy most management companies.

Tip # 4 – Appeal the decision

If your credit is as bad as you think, then you will most likely be denied an apartment after completing the application. This doesn’t have to necessarily mean that you still can’t get an apartment at the complex of your choice after being denied. Your denial letter will most likely include information about a possible appeal, which you should take full advantage of. The benefit of an appeal is that you will come face-to-face with the actual manager in charge. This person has the authority to override any decision, and if the person is compassionate, understanding and takes a liking to you, he or she may make an exception and approve your application.

So, if you’re apprehensive about finding a decent apartment to rent because of a poor credit rating, don’t be. Just because you’ve had bad luck in the credit department doesn’t mean that you’re a bad person. You may just have to work harder to prove this fact, but it’s just the price you may have to pay in order to be allowed to live in the apartment of your dreams.