Can You Get an Apartment With Bad Credit?

Yes, you can rent an apartment with bad credit. While a low credit score presents additional barriers, it can be overcome with extra effort and determination. Here’s how you can qualify for an apartment even with bad credit.

What Credit Score Do You Need to Rent an Apartment?

Landlords generally prefer good credit, meaning FICO® Scores of 670 or above. However, if your credit score is lower, landlords might evaluate other aspects of your finances. They look for payment history, debt load, and debt-to-income ratio to ensure you can afford rent.

How to Rent an Apartment With Bad Credit

1. Pay More Upfront

Consider offering to pay two or more months’ rent in advance or a larger security deposit to build trust with the landlord.

2. Provide Documents and References

Submit documents that demonstrate your credibility, such as proof of responsible rental history, recommendation letters, proof of employment, and utility payment records.

3. Find a Cosigner or Guarantor

Ask a family member or close friend with good credit to cosign the lease. Ensure they have a history of timely mortgage or rental payments.

4. Get a Roommate

Sharing the rent with one or more roommates, especially if their credit scores are higher, can make landlords more willing to accept your application.

5. Search for Apartments That Don’t Require Credit Checks

Look for rentals that do not require a credit check. These are more likely to be found with individual landlords rather than larger property management companies.

How to Improve Your Credit Before Getting an Apartment

If you’re unable to get approved for an apartment, work on improving your credit score before trying again. Here are some steps to take:

Pay All Bills on Time

Payment history is the most important factor in your credit score. Make all your payments on time every month to improve your score.

Reduce Your Debts

Focus on paying off as much debt as possible before applying to rent. Reducing your balance can help raise your score.

Monitor Your Credit

Sign up to monitor your credit reports. You’ll see the positive and negative marks landlords see and get insights into how to improve your credit score.

Get Credit Where Credit Is Due

Consider signing up for Experian Boost® to improve your Experian credit file. It gives you credit for bills you already pay, such as streaming services, utility bills, and some insurance payments.