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Very Nervous - IN THE PROCESS OF RENTING (Needs Advice)

Regular Contributor

Very Nervous - IN THE PROCESS OF RENTING (Needs Advice)

Hi All,

 

I'm currently in the process of moving in with my gf in a few weeks. She's aware of my current credit status, and helped me along the way in repairing my credit over the past few years. However, we're about to submit an application for an apartment tomorrow, and I'm just nervous that we would be denied based on my scores. My current scores are the following; TU 08 - 693, EQ - 606, EX (fako) 664, and my gf TU 08 - 811, EQ - 774, and EX - 770 (Fako). As you can see, her scores are remarkably great, but I'm just nervous that I would be the reason we're denied. We're going to submit the application with me being the co-applicant. I'm not sure if that would mean anything in the decision making. On the other hand, combined we both make $72,000/year. Any feedback would be most appreciated. Thanks in advance!

Message 1 of 21
20 REPLIES
Moderator Emeritus

Re: Very Nervous - IN THE PROCESS OF RENTING (Needs Advice)

Of course YMMV but I think you're going to be just fine.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 21
Valued Contributor

Re: Very Nervous - IN THE PROCESS OF RENTING (Needs Advice)

Relax and hope for the best, keep us posted! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 3 of 21
Regular Contributor

Re: Very Nervous - IN THE PROCESS OF RENTING (Needs Advice)

Thank you, and will do!

Message 4 of 21
Regular Contributor

Re: Very Nervous - IN THE PROCESS OF RENTING (Needs Advice)

Thanks! 

Message 5 of 21
Regular Contributor

Re: Very Nervous - IN THE PROCESS OF RENTING (Needs Advice)

You should be just fine.  I can't see the two of you being completely denied.  IME, apartments would usually ask for a higher security deposit (up to one month's rent) to compensate for any credit issues. 

NFCU Cash Rewards $16,100/FNBO Platinum $9.100/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $1000/Neiman Marcus $7000/Saks5thAve $2500

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 Smiley Happy
Current Score: TU 706 EQ FICO 701 EX 704
Goal Score: 720

Message 6 of 21
Valued Contributor

Re: Very Nervous - IN THE PROCESS OF RENTING (Needs Advice)

I couldnt see why you would be denied....the mostly look for CO, judgements, liens, etc...

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Message 7 of 21
Regular Contributor

Re: Very Nervous - IN THE PROCESS OF RENTING (Needs Advice)

Ok, thanks I would keep that in mind. The apartment being rented is through a private owner which hired a broker. 

Message 8 of 21
Regular Contributor

Re: Very Nervous - IN THE PROCESS OF RENTING (Needs Advice)

Thanks, I don't have any CO, Judgemetns, etc....only 4 derogatory PIF in 09 items that are due to fall off in the coming months of december-february 2013. 

Message 9 of 21
Valued Contributor

Re: Very Nervous - IN THE PROCESS OF RENTING (Needs Advice)

you might as well buy a house

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Message 10 of 21