https://ficoforums.myfico.com/t5/General-Credit-Topics/Getting-my-first-apartment/m-p/23895#M17042 <DIV>Hey Gang,</DIV><DIV>&nbsp;</DIV><DIV>Today I have an appointment to fill out an application for my first apartment.&nbsp; I'm only 21 and when i was 18 destroyed my credit.&nbsp; it was 400.&nbsp; Now that i'm 21 and have school loans and a real job, my credit score is 614.&nbsp; On this website myfico.com my score is 614.&nbsp; On <A target="_blank" href="http://www.freecreditreport.com">www.freecreditreport.com</A>&nbsp; my score is 562.</DIV><DIV>&nbsp;</DIV><DIV>Both reports hold the same information.</DIV><DIV>&nbsp;</DIV><DIV>Anyway.</DIV><DIV>&nbsp;</DIV><DIV>I know i'm a medium-high risk person.&nbsp; I have no renting history and i have no debt.&nbsp; All my bills were paid off and i'm now 2 months AHEAD on my school loans.&nbsp; Except the negative aspects of my credit are the most obvious.</DIV><DIV>&nbsp;</DIV><DIV>Haven't had an open account for more than 3 years and had only one collection...which has been paid off may 2006.</DIV><DIV>&nbsp;</DIV><DIV>Do you think i'll get denied this apartment because of my low credit score?&nbsp; Even though I have no debt or no negative renting history?</DIV><DIV>&nbsp;</DIV><DIV>please help me ASAP!</DIV><DIV>&nbsp;</DIV><DIV>Thanks,</DIV><DIV>Greg</DIV><DIV>&nbsp;</DIV> Wed, 27 Jun 2007 12:31:21 GMT Anonymous 2007-06-27T12:31:21Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Getting-my-first-apartment/m-p/23895#M17042 <DIV>Hey Gang,</DIV><DIV>&nbsp;</DIV><DIV>Today I have an appointment to fill out an application for my first apartment.&nbsp; I'm only 21 and when i was 18 destroyed my credit.&nbsp; it was 400.&nbsp; Now that i'm 21 and have school loans and a real job, my credit score is 614.&nbsp; On this website myfico.com my score is 614.&nbsp; On <A target="_blank" href="http://www.freecreditreport.com">www.freecreditreport.com</A>&nbsp; my score is 562.</DIV><DIV>&nbsp;</DIV><DIV>Both reports hold the same information.</DIV><DIV>&nbsp;</DIV><DIV>Anyway.</DIV><DIV>&nbsp;</DIV><DIV>I know i'm a medium-high risk person.&nbsp; I have no renting history and i have no debt.&nbsp; All my bills were paid off and i'm now 2 months AHEAD on my school loans.&nbsp; Except the negative aspects of my credit are the most obvious.</DIV><DIV>&nbsp;</DIV><DIV>Haven't had an open account for more than 3 years and had only one collection...which has been paid off may 2006.</DIV><DIV>&nbsp;</DIV><DIV>Do you think i'll get denied this apartment because of my low credit score?&nbsp; Even though I have no debt or no negative renting history?</DIV><DIV>&nbsp;</DIV><DIV>please help me ASAP!</DIV><DIV>&nbsp;</DIV><DIV>Thanks,</DIV><DIV>Greg</DIV><DIV>&nbsp;</DIV> Wed, 27 Jun 2007 12:31:21 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Getting-my-first-apartment/m-p/23895#M17042 Anonymous 2007-06-27T12:31:21Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Getting-my-first-apartment/m-p/23901#M17047 <DIV>Welcome, please read the Scoring 101 thread. I am guessing you should be able to get an apt. </DIV> Wed, 27 Jun 2007 12:33:56 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Getting-my-first-apartment/m-p/23901#M17047 Tuscani 2007-06-27T12:33:56Z