Renting an apartment with no credit history can be a challenge and if you need to rent an apartment and you don’t have a credit history it is going to be difficult to get the apartment you need. Thankfully, there are things you can do that will make finding and renting an apartment much easier when you are building a credit history. Read on to learn how to find apartments Iowa City that will allow you to rent without a credit history.
When you are renting an apartment, one of the first things the landlord is going to look at is your credit report. The landlord is going to check to make sure you have a high credit score and that you have a history of paying your bills on time. If you have a low credit score and lots of issues on your credit report you won’t get the apartment.
The landlord also looks at your rental history if you have one and will check with other landlords to make sure that you have been paying your rent. If you don’t have a rental history and you don’t have a credit history it will be hard for the landlord to make a decision about whether you are going to be able to pay the rent or not.
Many landlords are not willing to take a chance because they could lose thousands of dollars if you don’t pay your rent and it is going to cost a lot of money for them to take you to court to try to get their money back. If you have been getting turned down for apartments and no one wants to rent to you, you are going to have to try some other things to get that apartment.
The first thing you might want to consider is getting a roommate who has a good rental history. The roommate will be able to sign the lease and the landlord is going to look at their history instead of yours. You won’t have to go through a credit check and you won’t need to worry about getting turned down. Of course you won’t have the entire apartment to yourself, but you will also save money since you will only be paying half of the rent. Having a roommate is really going to cut down on your costs and it also allows you to save a lot money.
Another thing you can do to rent apartments Iowa City is to get someone to co-sign for you. You will use the co-signers credit and rental history to get the lease and you can get the apartment you want even if you don’t have a credit history. You have to make sure that you are going to pay the rent on time because the person who signed the lease is going to be the one who suffers a credit hit if you don’t pay the rent. Make sure that you are prepared to pay the full amount of the rent.