{"id":1330,"date":"2021-12-27T10:29:01","date_gmt":"2021-12-27T05:29:01","guid":{"rendered":"https:\/\/www.katebeckinsalegallery.com\/?p=1330"},"modified":"2021-12-27T10:29:01","modified_gmt":"2021-12-27T05:29:01","slug":"credit-score-how-it-affects-your-ability-to-rent","status":"publish","type":"post","link":"https:\/\/www.katebeckinsalegallery.com\/credit-score-how-it-affects-your-ability-to-rent\/","title":{"rendered":"Credit Score &#8211; How it Affects Your Ability to Rent"},"content":{"rendered":"<p>Do you have a bad credit score? Well, it affects the interest rates of your credit cards and loan capability. A bad credit score, in turn, makes it hard for you to get approved to get an apartment.<\/p>\n<p>Many landlords today run a credit check as a routine tenant screening. They do so to ensure they can rely on you to keep up with the payments.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6634decc92065\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6634decc92065\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.katebeckinsalegallery.com\/credit-score-how-it-affects-your-ability-to-rent\/#Please_Dont_Take_It_Personally_Its_not_about_Your_Debts\" title=\"Please Don&#8217;t Take It Personally. It&#8217;s not about Your Debts\">Please Don&#8217;t Take It Personally. It&#8217;s not about Your Debts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.katebeckinsalegallery.com\/credit-score-how-it-affects-your-ability-to-rent\/#What_if_You_Are_Free_of_Debts\" title=\"What if You Are Free of Debts\">What if You Are Free of Debts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.katebeckinsalegallery.com\/credit-score-how-it-affects-your-ability-to-rent\/#Finding_a_Good_Landlord\" title=\"Finding a Good Landlord\">Finding a Good Landlord<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.katebeckinsalegallery.com\/credit-score-how-it-affects-your-ability-to-rent\/#Give_your_Landlord_a_Heads_Up\" title=\"Give your Landlord a Heads Up\">Give your Landlord a Heads Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.katebeckinsalegallery.com\/credit-score-how-it-affects-your-ability-to-rent\/#Higher_Deposit_Offer\" title=\"Higher Deposit Offer\">Higher Deposit Offer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.katebeckinsalegallery.com\/credit-score-how-it-affects-your-ability-to-rent\/#Bottom_Line\" title=\"Bottom Line\">Bottom Line<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Please_Dont_Take_It_Personally_Its_not_about_Your_Debts\"><\/span><strong>Please Don&#8217;t Take It Personally. It&#8217;s not about Your Debts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>To a landlord, there is a minimum credit score that a tenant needs to have to rent a property. Many property owners cant see your credit score when they check. What they see is your credit report. Your credit report features your credit score, so there is no need to worry about the hard minimum. Before you start to apply, make sure you check if you&#8217;re a good candidate for property renting.<\/p>\n<p>Landlords will check your past payments and your current debt. If you are late on certain charges in the past or have collection indicators on your report, many landlords will see you as a risk. Additionally, this goes if you have large sums of debt. Your <span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"https:\/\/www.self.inc\/blog\/debt-to-income-ratio\">debt-to-income ratio<\/a><\/span> should not be anything higher than 50%. The debt amount payments calculate the debt ratio is divided by your gross income every month if it is high, a landlord concludes that it might be harder to recover the amount than a bank or a financial lender.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_if_You_Are_Free_of_Debts\"><\/span><strong>What if You Are Free of Debts<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you got no credit at all, landlords would look at your case more favorably, unlike a delinquent defaulter. However, the landlords will still proceed with caution because having no credit score is also a sign of unpredictability. So if you know your landlord will see anything while looking at your credit, you better have a convincing explanation on why they should give you a chance.<\/p>\n<p>For example, you can pinpoint the lack of debts to why you consistently pay your rent in time. Also, assure the landlord that you can keep up with the payments since it&#8217;s a small fraction of your payor income. It&#8217;s possible to get a good apartment if you have no positive or lousy history. However, you will need to talk your way through it.<\/p>\n<h2><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/blog.mint.com\/wp-content\/uploads\/2018\/08\/shutterstock_1719948913.jpg\" alt=\"Debt-to-Income Ratio [Calculating Your DTI] - Mint\" \/><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"Finding_a_Good_Landlord\"><\/span><strong>Finding a Good Landlord<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Finding a Landlord who is not so keen on your credit score can also be a good pick. Not all Landlords are obsessed with credit checks, and some make sure you follow the lease arrangement, and you&#8217;re not a dangerous threat. Generally, you can get these landlords in low-income parts of towns where many people have poor credit scores. If you&#8217;re looking for a space to rent, check on the landlord. Some landlords might offer too good real deals since they have a poor credit score.<\/p>\n<p>If you notice a fee to submit for rent applications on your hunt for the property, that might indicate that it takes a while before your landlord can access your credit report. If you see a listing and it&#8217;s not comprehensible, it&#8217;s better to call the landlord for clarifications.<\/p>\n<p>Can you get a better chance without good credit? Can you get a good deal without having a stellar credit score? Well, there are pointers to make a landlord consider your application.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Give_your_Landlord_a_Heads_Up\"><\/span><strong>Give your Landlord a Heads Up<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You wouldn&#8217;t want a nasty surprise, neither does your landlord. Your best bet is to tell the landlord upfront that your credit score is not as good. Also, this can should have an explanation. If you are a student and have no credit score, you can explain your case beforehand. For example, if you&#8217;re a student planning in Fort Wayne may get suitable housing at <span style=\"color: #3366ff;\"><a style=\"color: #3366ff;\" href=\"https:\/\/thearchftwayne.com\/\">the arch Fort Wayne<\/a><\/span> that is convenient for your pockets.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Higher_Deposit_Offer\"><\/span><strong>Higher Deposit Offer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You can offer your landlord a higher deposit just in case something gets damaged in the property, which is often a month&#8217;s rent. However, if your credit is in great shape, a higher deposit instills trust and convinces the landlord to take you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Bottom_Line\"><\/span><strong>Bottom Line<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Getting an apartment with no or a poor credit score is possible. Depending on the situation, you may have to live in a less posh area to make up for your credit score.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do you have a bad credit score? Well, it affects the interest rates of your credit cards and loan capability. A bad credit score, in turn, makes it hard for you to get approved to get an apartment. Many landlords<a class=\"moretag\" href=\"https:\/\/www.katebeckinsalegallery.com\/credit-score-how-it-affects-your-ability-to-rent\/\"> Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":1332,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[6919,6920],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Score - How it Affects Your Ability to Rent - KateBeckin Sale Gallery<\/title>\n<meta name=\"description\" content=\"Your debt-to-income ratio should not be anything higher than 50%. 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