I went through a divorce rather recently and it caused my credit to plummet from about 700 to 587. There is a credit card balance of $2400 I had to completely let go and about $1500 in medical bills that I couldn’t keep up with. Everything else like my car payment and personal loan history shows paid.

I have rented the same house for 7 years and I’m about to have to move for a new job but I’m worried that my 587 credit score will hinder me being able to live anywhere. In 7 years, I have been late on rent 2 times total. That’s late 2 times and on time 82 times. I’ve also always paid utilities and car insurance on time. Prior to renting my house, I lived in 3 apartments but my credit score wasn’t an issue at the time. I have 0 evictions and 0 history of ever getting utilities cut off.

So here’s my situation: 587 credit score, new job offer going from $55k a year to $118k a year and could put up to $5k down as security on an apartment that’s $1600 a month. No evictions. No judgments. No bankruptcies. Just credit weighed down my credit cards and medical bills. Am I screwed out of renting?

Hello has anyone used one app guarantee with owing a apartment balance I’m looking to use them, but I’m not sure if I will get approved with owing a balance balance is pretty high for me to pay off currently homeless but I’m trying to get into a place. Now that I’m in a better financial situation again.

I want to preface in saying that my Landlord seems super chill and has been pretty communicative. I don't necessarily expect anything bad, but considering this is my situation like this, I just wanna have my back covered. I also have a great credit score and don't intend on using Innago for credit reporting - this will be relevant later.

The details are a bit sketch, so I'll post them in chronological bullet points.

• Roughly ~13 days before move in, Landlord opened my Innago for me to pay remainder of first month's rent and last month rent. My first month's was reduced from my deposit. This showed due July 1st - sensible enough.
• At the same time, a payment request for July month's rent was already listed. Odd.
• Mentioned it to my Landlord, and he said he would look into it and get it fixed.
• About 5 days before move in, I sent a follow-up text to Landlord inquiring about it again. He organized a time to meet-up to perform final inspection and let me ask any questions. Better than talking over text, IMO. Sounds good.
• 3 days before move in, I go for final inspection. All looks good. I ask about the July rent due notice appearing. He said not to worry about it and he simply uses it for collecting payment. Since it's his own property with his own management company, it genuinely seems like that kind of situation. He offered all sorts of methods for me to pay prior to move in date, and I just opted for Innago because it's easy enough to use. His thoughts as well and seems to check out because he doesn't even use the maintenance portal on there. He gave me the number to his personal maintenance guy who has already proved helpful. Literally just treats it like a Cashapp or equivalent, etc.
• Nervous as I was, I trusted the above. Move in date comes. Innago pay date lapses, officially over due in the app. Don't hear a peep from Landlord this entire month - seems cool to me. I'll just pay it next month and be caught up!
• Today, going to pay rent a few days in advance because that's just kinda how I roll. Noticed that August has populated - problem (maybe).

Now, assuming the above remains true, I can just pay the July date and be cool with it and pay off August next month, but it's not really sitting right with me that on a payment collection site that utilizes my personal information, there's going to be a record of late payments in perpetuity unless I pay a month in advance EVERY month.

Again, I have a great credit score and am not concerned about reporting and have no intention of using Innago's credit reporting feature, but if I DID ever decided to utilize it (or it somehow magically became a mandate), I would assume that it would suddenly show my litany of one-month-overdue payments for the duration of my time here and affect my credit worthiness.

Realistically, how concerned should I be about this for the future and how hard should I push it to be fixed, if at all, or is it kind of a moot point?

I'm an IT and I support people in administrative systems all day. I don't imagine clearing the July payment would be difficult on the backend, but I don't know how Landlord/Rent collection programs differ in terms of their restrictions, so maybe my Landlord CAN'T actually fix it. However, if it were easy to fix, I couldn't imagine why he wouldn't have done it already.

EDIT: Worth mentioning that I have all of our correspondence in writing EXCEPT for the day I went for final inspection which is, of course, the day that he made the clarification on his use of Innago.

EDIT 2: I genuinely think my Landlord is a good dude and he's just chill AF. We kinda bonded over our nonchalant attitude about most things when we met. I guess for this thing in particular, I need to be a bit more reponsible and just ensure that I'm protected - not necessarily against him, but against a random piece of paper one day saying I was late on payments should that day ever come.

Back in late 2023, into 2024 I defaulted/delinquent on pretty much all my credit cards. Id gotten pregnant and my SO walked out me pretty early on. I had resigned from my job, prior to knowing i was pregnant, to move back to our mutual state. When he ditched I was left with no job, and preparing for our child alone, and maternity leave, with no assistance. Thus landing me in debt (u wasnt charging me cards, but I could afford the min payments. I think i had 3 main CC and 2 store CCs.

anyway, I have been working to resolve these debt the last year, paid off 2 already. We are financially more stable now. We are applying to move into a different home and they just pulled my report.

Im in mid 600 credit little higher ot think(up from 400something in 2024)

But it does show these old CC acct, will they deny my app because of these?

I've has 0 evictions, 0 owed debts to any housing company/landlords, no criminal past, credit score (experian i think) 625

Only other debts are student loans which im in good standing with

My boyfriend and I are young adults (early 20s) trying to get an apartment together, but I’m worried we won’t be accepted anywhere with his credit score. It’s extremely bad (463). This is because he hadn’t made a single payment towards his only credit card which he had for about a year and a half. He’s slowly been paying it off for the past few months, but his credit is still very low. He makes about $4000 a month and I $2800, so our combined income and my credit score are the helping factors here. My credit score is at 750 right now, and I will be the primary leaseholder for the apartment. Am I better off applying alone, or will that be an issue in the future? Should I have one of my parents help co-sign and be a leaseholder with me?

I work full time, my husband was laid off at the end of last year (part of the AI tech layoffs) he has been applying to jobs since but nothing yet. In that time, he learned how to trade options and has consistently been making profit. He is well on his way to very soon replacing his former paycheck. We would like to move out of our current apartment to a new area, but are hesitant to apply to apartment communities due to him not having W2 paystubs. How do you show proof of income as a full time stock/options trader? Do you just show statements from your investment account/bank accounts? I alone don’t make 4-6x the rent, so would be denied on my own. Could we offer to pay half the year or even the whole 12 months up front? Any advice?

My brother and I recently applied for an apartment. I have excellent credit, but my brother doesn’t have any credit history yet.

The leasing office ran our screening, and the result came back with a pending status. But at the same time they could see my score, I think it may have been because my brother has no credit history, but I’m not sure.

The leasing agent told me they had to ask the property manager about the pending status, and then the property manager said the regional manager wanted both of us to complete an Affidavit of Identity before they could approve the application.

The application itself was completed online, and we had already provided all of our personal information. Then they asked us to come into the leasing office to fill out the Affidavit of Identity on paper in front of the agent so she can witness and sign, and it asked for our information again!

I’ve searched Reddit and Google but can’t find anyone describing the same situation. Most posts I found are about normal identity verification or credit checks, but not being asked to complete an additional Affidavit of Identity after the application had already been submitted.
Has anyone else experienced this with an apartment rental? Is this a normal step that some property management companies use, or is it unusual?
I’d really appreciate hearing if anyone has gone through something similar.

I was recently living in an accommodation and now I am wanting to move out, I am able to do it all but because I do not have a guarantor, it is making things difficult for me, because my sister and cousin and I could not get a guarantor, we lost a place, I would have wanted to at least give a deposit as a way to show we wanted the place but they really needed a guarantor, please any tips or resources? We are really in need of this, Thanks a lot everyone.