We are free apartment locators that work with second chance apartments, and we have the most up to date information on apartments that will not waste your time or application fees.
Pick one of the following for more details:
Second Chance Apartment definitions:
- Property debt: If you owe a property money from a prior lease that you were in, or co-signed for someone else.
- Broken Lease: If you left a lease or even forgot to turn in your notice to vacate.
- Bankruptcy: If you have a closed bankruptcy that is troubling you still.
- Bad Credit: Low credit score from repossession, collections, medical bills, or late payments.
- Eviction: If you were asked to leave an apartment due to not paying your rent, or other reasons.
- First Time Renter: If you have no rental history.
- Background: We can help non-violent felonies(over 5 years old) and non-violent misdemeanors(over 2 years old).
- Foreclosure: If you had to short-sale, or default on a mortgage loan.
Have you been denied recently? We have second chance apartments that will work with you. Second chance apartments have programs that require just an additional deposit or second chance fee, and they will approve your application. If you would like a list of these rentals, just select the issue that you are having difficulty with above.
The second chance issue pages are designed specifically to meet your needs. They have common questions and answers, as well as helpful tips that can provide you what you need to save your time and money during your second chance apartment search.
Free Credit Repair Guide
It is best to understand your credit first before you attempt to fix it. MyFico.com is a great resource to find out what all is a factor in your credit report. The basic factors are payment history and the amount of debt you have. If you have good payment history and low balances on debts then you are in good shape. Let face it, you are not reading this if you have good credit. The good news is that you are here to make the effort to change the direction of your credit score. The main idea in fixing your credit is to remove debt, and negative payment history, and increase your positive accounts.
A Truly Free Credit Report
There are several websites that promise a free credit report, but after getting your credit card information they become that annoying company that wants to charge you anyways. They will charge your card with the subscription fee unless you call their cancellation hotline and sit on the phone arguing with someone about why you do not need their services. This stigma is what people think of when they hear “Free Credit Report”. I have some great news. There really are sites that are free, and you may have heard of them.
There are many reasons why someone might be denied for an apartment, and it is quite a bit more common than you may think. There are some reasons that are manageable and some that will make finding an apartment extremely difficult. First of all the reason why apartments have criteria is all built on two main issues, supply and demand, and safety.
Supply and Demand
Apartments that have a high demand for their units are not only going to have a higher rent amount, but they are also going to have higher standards in order to be approved for the apartment. For example, an A-list apartment in Uptown Dallas most likely will not accept any bad credit, rental history problems, or most background issues. They have breed restrictions on pets, and also require higher income. Even with these higher standards they are still able to remain in the high 90% occupancy range. There are some exceptions to this but usually only one of the above mentioned might be reduced in order to maintain their higher occupancy rate. If you are looking in a lower demand area such as a suburb, then you begin to see the lower requirements. This includes lower rental history standards and most will accept bad credit, rental, and background history issues as long as you are ready to pay a higher deposit.
You may ask, “Why the high deposit?” With lower standards there is a certain level of risk involved with each item they may allow. Typically people with poor rental history or credit have a higher tendency to break the lease agreement, which costs the property money. So the higher deposit or second chance fee is designed to minimize the amount of damage the property may receive should the tenant break their lease. Bad credit will mostly just involve a double deposit, or perhaps just paying off one of the small delinquencies that could be holding up your application. With bad rental history, there are only certain properties that will work with those and they typically require around one month’s rent as a deposit. Other factors could include foreclosures, bankruptcies, and not making enough income for the unit. There are specific properties that will allow these issues in the same way as with a broken lease or an eviction.