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Bankruptcy apartments that will approve you:
- Discharged Bankruptcy
- Closed Bankruptcy
There is a good selection of apartments that accept a closed bankruptcy. While you may have been denied recently, we are able to provide you a list of apartments that meet your criteria and will approve you.
Important: What would make it more difficult is if you have an open bankruptcy, or it is a closed bankruptcy paired with a broken lease, eviction, foreclosure, or background issues. If so, those are more pressing matters and you should direct your attention to the multiple issues page.
What if I have a bankruptcy that is not closed?
Unfortunately, we are not aware of an apartment communities that will work with an open bankruptcy at this time. The properties are concerned about the lease being added into the bankruptcy. It is best to wait until you have discharged the bankruptcy before signing a new lease.
How much will my deposit be?
A deposit for an applicant that comes back with a bankruptcy will most likely require at least a double deposit. So a $100 deposit would end up costing $200, for example. However, not every property is the same, and they can charge you more or less depending on the circumstances.
What if I was declined because of a utility bill, or tax collection?
Either of those are automatic denial at a large percentage of properties in the market including many second chance properties. They will, in most cases, require the bill or lien to be paid in full before they can approve you.
- Get a free credit report if you don't have one at Quizzle.com. They do not require a credit card, and the more information you have the better equipped you will be for finding an apartment that will approve you.
- Dispute old negative items on your credit to start having them removed.
- Make sure all items within the last two years are being addressed, if they are older the properties are less likely to factor them into their decision.
- Know your credit score, and account history. When visiting the properties you can ask for their criteria up-front, and often times they can tell you whether or not you have a good chance to be approved.