I am currently scheduled for a 341 meeting on June 23. Around late summer of next year I will be moving with my bf to a new state for grad school. I am a little concerned on how renting an apt will go after my bk has been discharged. In my current apt I have never been late with rent or utilities. No evictions. But I am worried the bk will affect my chances of looking for a new place. Any advice on this?
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Renting an apt after chp 7
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Originally posted by Lee123 View PostI am currently scheduled for a 341 meeting on June 23. Around late summer of next year I will be moving with my bf to a new state for grad school. I am a little concerned on how renting an apt will go after my bk has been discharged. In my current apt I have never been late with rent or utilities. No evictions. But I am worried the bk will affect my chances of looking for a new place. Any advice on this?
I think in this economy having a good record with your current landlord would be more important than your credit report.
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Having a good rental history + stable, verifiable income will go a long way in helping you get approval. The credit history may result in a higher deposit though. I used to work in apartment/property management. We could work with credit issues, we could not work with it if someone had been evicted or left owing balances at another apartment complex.Get mortgage modified: DONE! 7 months of back interest payments amortized, payment reduced over $200/mo
(In the 'planning' stage, to file ch. 13 if/when we have to.)
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Originally posted by nc73 View PostJust call around. Decent ones will require a cosigner.
Will FICO score matter? I am not sure how it will look a year from now post bk. I have an excellent rental history, but will probably not have any immediate income beyond what we have saved.
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When I was a landlord I never even looked at credit reports for the properties i was leasing. I wanted to see pay stubs and a current employer. Having the deposit money was also obviously a factor. Biggest negative was an EVICTION. ...and a BK probably would have been fine, if it had been explained to me.
also another negative requiring addl security was a pet(s)
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