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OK, so if you're bankrupt and you absolutely need to rent an apartment, here's what I'd do:
 • Buy your credit scores FICO. You'll see why in a moment.
 • Make a list of all the apartments you are interested in renting.
 • Call each apartment complex and interview the building manager.
Some questions ask for credit:
1. Have you ever rented apartments for people who have declared bankruptcy?
2. What are your credit guidelines? (How do I get?)
3. Which credit reporting agency you use to make a hiring decision?
4. How important is my credit score in your decision?
5. I bought my credit scores last week and my FICO scores are [insert your FICO scores here]. How do these scores sound for you?
6. How is it that you need a deposit?
7. When do I need to qualify for the apartment I am considering (some agencies require your gross monthly income three times the market price of the apartment)?
Three other factors which will have a major influence on whether you accepted or rejected are …
1. If you have rental history. Some apartment complexes, you must be at least 12 months of rental history before renting to you.
2. What you do not use collections on your reports credit.
3. And obviously, if you have already been evicted you will not help you.
So keep these factors in mind when interviewing for apartments.
What you learn quickly is that each rental company has its own credit guidelines. Some will need two years after discharge … other four years … Most will only require you to be unloaded. In addition, some will also try to see if you're on ChexSystems. (If you've never heard the term ChexSystems, that means you're not Italian and is a good thing!)
In addition, depending on the season, the number of vacancies, or the general attitude of the property manager, you may have more flexibility than you think.
One thing to consider is a movement "in particular." If a dwelling is running as a special offer, the rent for one month "free if you move in before August," that usually means that their occupancy rate are low. They may be more willing to work with you.
In addition, most managers comfortable apartments have the opportunity to spend also a credit decision if you can show them evidence that you can make your rent payments each month.
The best advice I can give you is to be upfront with the apartment manager. Get answers to questions I listed above. Interview many apartment managers. And then choose the apartment that suits you best.
Whatever you do during the interview process flat, not not, I repeat, do not allow the building manager to get your credit reports. It's better if you collect all the facts and make a investigation of credit report inquiries hit several apartment credit.
You can minimize credit inquiries by not signing not apply for credit and / or do not give your social security number.
If the building manager is puzzled as to why you refuse them to run your credit, simply explain that you try to keep your FICO credit scores as high as possible avoiding investigations Credit useless. Whenever you sign a rental application, you are giving permission to the apartment complex to review your credit and investigations credit to reduce your credit scores.
And do not fall into the "you need a co-signer" online. There are other ways to overcome credit guidelines. One way is a larger deposit.
That said, I still think there is a better way rent if you can not buy right now. Avoid complex of apartments in total and the rent for an individual owner or someone who has a house to rent. Major apartment complexes almost always have much stricter guidelines than the individual owners.
Some people have even moved into homes on a "handshake" deal. No credit checks, no outrageous security deposits, no worries.
Another advantage is a landlord will often look at a credit report you provide, and does not derive its owna-saving you a survey credit on your credit reports.
And when you rent an individual, as opposed to an apartment complex, there are more than one human element to it. Who knows? Perhaps the person you are renting from filed bankruptcy a while ago, and be more understanding of your situation.
Stephen Snyder is the founder of the After Bankruptcy Foundation a non-profit organization that provides free bankruptcy recovery information His expertise also includes how to get into an apartment after bankruptcy
