Being behind in debt is never easy. You are constantly nervous thinking about what would happen to you if your finances hit rock bottom and at the same time you are not really sure of your options to get yourself out of overwhelming debts. Debt management companies and agencies such as Freedom Debt Relief (FDR) offer assistance in terms of bankruptcy, debt settlement, debt negotiation as well as credit counseling for people with such problems. Admitting to yourself that you do have a financial problem may not be considered as a step backwards. In fact, agencies like FDR may agree that you are taking the right step towards freeing yourself of debts. After all, once you’ve reached rock bottom the only other way to go is up.

Once you have settled your debts with the assistance of FDR, you may feel more motivated to rebuild your life again. You feel optimistic that you are going to fare better this time than before. With no asset to your name, you set out to rent an apartment. To your dismay you find yourself facing many obstacles as not many landlords may be willing to rent their apartment out to you because of your bad credit history. Your credit score may also be at its lowest because of your bad debts. So what are you to do? You need a place to rent in order to start over but with your poor credit background you find yourself at a loss on where to look for a place to stay. Of course, you may want to know that credit reports may not be the only thing landlords might be looking at. There may be ways around it so that you may still be able to rent a place even when your score is considerably low.

The first thing you may want to do is to compile information about your rental history. Basically, if you have rented other apartments before you may need to put the names of your previous landlords in a list – especially those whose rent you have never skimped on. Of course, chances are your previous landlords probably reported your payment history to a credit bureau. This information may show up on your credit report. If your potential landlord has denied your application to rent his apartment based on your credit score alone, you may persuade him to change his mind by showing him your rental history in your credit report. Your credit score may be on the low side but you may convince your potential landlord that it was not because you were delinquent in making rent. You may even get your potential landlord to call up your previous landlords to prove your case.

If you have been a good employee with your current or previous employers, you may also include their names in your rental application. Landlords generally want tenants who are reliable and trustworthy. Your former or current employers may testify to that. This is to show that even though you are currently in some kind of a financial distress you still have the financial capabilities to pay the rent. You may have to understand that from your potential landlord’s point of view you may be a high risk applicant because of your history of bad debts. But you may have to convince him that your history of bad debts was just one side of the spectrum and that it probably did not have anything to do with rent payments at all. It would also help if you have sufficient balance in your savings or checking accounts. These accounts may not show up in your credit report but you may show your potential landlords copies of your bank statements to show him that you have sufficient cash to pay rent.

In general, landlords want good tenants. Credit reports and scores may be some of the things that they may be looking at. However, landlords are also human. You may have to go the extra mile to convince them that your score is just a number and that you are set to prove him wrong.

Author Bio: freedom debt relief

Category: Finances
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