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RENTING AN APARTMENT - POOR CREDIT

October 12, 2017

#allaboutmoney

 

If you have poor credit, you may be worried about having your rental agreement rejected for a new apartment. It’s easy to feel ashamed or frustrated about bad credit, but you don’t need to worry quite so much. Here are your options for making yourself look like a good choice for the right apartment.

 

Be Honest and Know Your Credit Report

If you haven’t checked out your credit report recently, do so. Look for potential inaccuracies and get familiar with it, so there are no surprises when you go to discuss your credit report with potential landlords.

It’s usually best to be upfront about your situation, especially if you know for a fact that the property you wish to rent requires credit reports. The property managers and landlords you work with may appreciate your honesty, and want to know more about your situation, rather than just declining your application.

 

Pay Your Bills on Time

This is a surefire way to show improvement in your credit. It can take time for your credit score to improve, but if you are able to show you’re paying down your debt and paying bills on time, it can prove...

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ALL ABOUT CREDIT SCORES 4 Fast Ways to Boost Your Credit Score

October 12, 2017

#allaboutmoney

The words “credit score” hold a lot of weight when it comes to making big decisions as an adult. You might know it’s important, but do you know why?

 
 

1. Pay your bills on time.

Sounds simple, but people miss the due dates for bills all the time. Whether it’s your student, auto, or mortgage loan, set calendar reminders or use automatic withdrawal to make sure you get those payments in on time.

 
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2. Get a credit card!
(And pay down your balance.)

Start with smaller purchases, like paying for gas or groceries, until you’re more comfortable using it. Paying your balance off in full month-over-month is a great way to boost your score. But remember: To raise your credit score, you must first reduce your credit card debt.

 
 

3. Keep old debt on your credit report.

Some debt is actually good debt. If you have debt that you pay off consistently and spans many years, it can actually boost your credit score. Don’t remove this from your credit history!

Also, keep your credit card accounts as long as possible. If you stop using them, the account might not be reported...

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Posted at: 07:48 AM | 0 Comments | Add Comment | Permalink RSS

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