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My boyfriend and I want to get a place together. He has bad credit and I have basically no credit. How can we get an apartment? Is it possible? Any advice would be appreciated! Thanks!

I have found craisglist to be a great resource for finding apartments.

It is easiest to rent an apartment when you have credit issues directly from a single owner. Seldom does an owner who is looking for a tenancy at will agreement on a month to month basis do a credit check.

Be open with the owner and they will probably work with you whether they require a larger deposit. Offering to pay last month’s rent up front will give you some leverage with an owner. I’ve encountered owners who are willing to work out a payment plan on the extra deposit money or last month’s rent. Paying the last month is beneficial to both the owner and you. If there are problems, the owner has your last month’s rent and therefore less concern over being cheated out of rent. And for you, although it is a big amount of money to come up with, when you leave the apartment, you have the advantage of having already paid your last month’s rent which can be really helpful when trying to come up with deposits for your next apartment or home.

I am going to be taking the Basic Law Enforcement Training program this year. I should be done in December, so hopefully I’ll be finding a job around early January.

Anyway, I currently have bad credit. 545 score to be exact. I have heard it’s very difficult to become an officer with bad credit so I am seriously considering filing bankruptcy. I have heard it takes around 6 months and your credit will be as good as new and thus, hopefully I would be able to get a job as a police officer.

So, does anyone know if this is the best way to go about it?

Thank you for any information.

It won’t 100% bar you from becoming a officer, but hiring agencies look at that kind of thing from the perspective of, perhaps someone can bribe him, etc…

When your in the hiring process, they may ask you about it, just be up front and honest. Telling the truth will go a long way in making you look like a decent person if they are worried about it.

I have really bad credit from mishaps that have happened years ago, what if any credit card would I be able to get accepted for?

There are lots of companies that offer credit cards to non standard borrowers. Be aware they will charge you a higher interest rate that another borrower with good credit. That is why you should seek to have good credit. If you have bad credit and get a card borrow a little and pay it off promplty. Do not leave a balance due each month or at least have a small balance. Keep the account open for two years. This will improve your credit rating. More cards will not help your rating. Good luck.

I’m engaged and we have been putting off the wedding because I don’t want my bad credit to affect my fiance. Is this true? HELP!!!!
Thank you everyone.

Only if you try to get a loan with both of you on it; like if you get a loan for a house then your bad credit will affect things. Many people think once you get married you take on your spouse’s credit, and that’s not true. My husband worked for Experion for many years when we lived in TX, so I get my info right from him. His credit is his and your is yours. Now you can get married, Congrats!!!!!

I am trying to purchase a home and im running into the problem I don’t have enough of a credit score. I found a home I would like to buy but can’t find any one to lend me the money. Is there any place that will help me get a home loan Now. Like a bad credit no credit no problem. I don’t mind paying a little bit higher interest rate. But I can’t afford a huge down-payment

Start off with a secured card, that way you won’t get turned down and you won’t get penalized before you even start.
you will put a cash deposit down (it’ll gather interests) and use it like any credit card. If you mess it up they have your deposit, if you pay your bills over time your score will get better and better.
I think there is a small yearly fee but it is a small thing to pay to be given the chance to prove yourself.
This is a good one:

http://www.esuperfind.com/nextmillenniumcc.php?id=nsth

I have bad credit and have a prospective employer that is looking to hire me. They provide their employees with a company credit card with our names on it, we are responsible for making payments but return our reciepts to them so they pay us back, however I am afraid if they do a background credit check they will withdraw the job position from me. Can they do this? Can they still give me a credit card even though I have bad credit?

They can, but as you pointed out, they may not want to.

I have a low credit score. Most my bad credit is old credit. I have a bunch of little loans from finance companies, but they charge really high interest rates. I would like to get a loan for about $5000 to $6000 to pay these off and have one payment that would be lower.

if you are looking for the best and fastest loan website, check out this site

http://Best-Payday-Loans-USA.com/

Here you can get the best rates available for you.

The situation seems a little unfair to me. I find myself trying to find a decent job that will pay me enough to meet my monthly obligations and make some headway in cleaning up my credit. The problem is that those jobs tend to disqualify applicants with bad credit. I’m not sure what to do about it. Can anyone offer any advice?

There are plenty of jobs out there that aren’t determined by your credit score, but it can play a factor. If you are denied for that reason, prepare a written or oral statement that explains why your credit is poor and what measures you taking to improve it.

If you’re curious how to rebuild your bad credit, take a look at the link attached. You don’t need to pay any money to fix your credit. It just takes time, work, responsibility and dedication.

Whats a good way of repairing the credit and improve his credit score?

Forget credit cards- that’s probably what got you in this mess in the first place. Get a secured loan on a used car (think small, like $1000-2000). Then, make the payments on time.

At the same time, put some cash into an emergency fund so you won’t have to use credit if something bad happens (this is an emergency fund, not an ‘I want it now’ fund – only for true emergencies). Bad things happen to everyone, but you CAN be prepared for when they do.

If you feel you NEED the Visa/MC logo, get a check card attached to your checking account. That way, the money comes out right away – if you don’t have money in the account, you can’t afford it. Live below your means by NOT spending every penny you make.

Older stuff on your credit report has less impact than newer stuff, so it just takes time to move that stuff into the past. Having large stores of cash ALWAYS looks good when you’re applying for a home loan, so SAVE, SAVE, SAVE! As a general rule, DON’T use credit to buy stuff that depreciates, only for things (like houses) that appreciate.

I’ve heard bad stuff goes off your credit report after 7 years, so can you wait it out and have decent credit again after 7 years? Anyone know how that works or what to do to fix it?

DaMan’s answer is absolutely correct.

The only thing I could add is to dispute all of the negative items on your credit history. The Credit Reporting Agency is required to investigate all disputes. If the creditor fails to respond to a dispute investigation the item is deleted automatically. Other then that, it stays on your history.

But by doing the other things that DaMan mentions, your credit will start showing improvements fairly soon. Not great, but it will help.