Dear Prism experts,
How do I rent with poor credit or no credit?
Answer:
As if finding a nice place with availabilities wasn't hard enough, there is also a headache of the credit check. We know it may cumbersome, but the reason landlords do it is to make sure they don't end up with renters who are unable to consistently pay. Herein is the solution - convince them that you can pay reliably and before long they'll be convincing you to stay!
1. Prove that you have a reliable income. Have a job that is solid and pays well? You are in a good shape. Offering to pre-pay the rent in advance also helps.
2. Find someone with a better credit than you. If you are willing to live with the roommates, find ones that have good credit. But anyone that can co-sign the rental agreement would do the job, and they don't even have to live with you - so consider your close friends and family.
3. Look into renting from individuals. Oftentimes if you are opening to renting a room or a basement from an individual, you'll be subjected to much less stringent credit checks and requirements.
Basically,
Prove to the landlord that you can pay the rent reliably. Also consider finding someone with a better credit to be your roommate or co-sign your application.
