Business & Finance

I'm moving to southern California for my job. I lived there in the past but lived with roommates. Now I'm moving back but I need my own place. I have too much stuff that I need and I don't do well with roommates.I wanna get my own place but I have bad credit.

I can't fix it and I used to have good credit but 7 years ago (when I was naive) I was scammed and had my identity stolen. I owed the bank plus many businesses a lot of money. I was forced to cancel my bank account. I paid off all debts a couple years ago but today I still face consequences. I'm not able to open up a savings account. I'm not eligible for cell phones, credit cards, loans, or anything. I use a pre-paid debit card, cash and a pre-paid phone and my credit score is not changing. Anything that would give me good credit, I'm not eligible for so my credit score won't get higher.

However, I do currently live alone and got really lucky with this place but my friends mom was renting it out. I've lived here for awhile and i have good references. Sometimes I volunteer to pay 3 months in advance because it's easier for me. lol. I also have a really good job and money is not an issue. But every renter says I need good credit or a co-signer. But I don't know anybody well enough to co-sign. No family or anyone. I'm not sure if they ask for co-signers for apartments but I just wanted to add that.

Anyway, is it hopeless for me to find my own place with bad credit?

Find a homeless gentleman, and get him to co-sign. Bribe him with a bag of meth, H, crack, or a plastic jug of Aristocrat brand vodka. Then dress him up in a suit, and pretend that he is your rich uncle, Professor Abercrombie Curuthers. I did this once, and would have gotten away with it if the professor didn't vomit up his vodka and sardines on the apartment lady.

probally not hopeless . just try to let them no your situation and let them know you have the money . just know money talks

There are some landlords that will allow you to rent. Most are or would be those landlords that have a hands on and screen their possible tenants themselves. They will listen to your tale of woe and possibly understand your situation.

If you come upon a property manager, you might not be as lucky as they have a judicial duty to select only the best possible tenants for their clients, the owner. Therefore they will go by certain preconceived rules, and will very seldom vary from these rules.

Whom ever you contact about renting you would need to tell them up front about your credit and offer your explanation up front when you first meet the landlord or property manager.

I hope this has been of some benefit to you, good luck.



"FIGHT ON"

just pay with cash in advance

The ghettos will take you.

Your excuse makes no sense. If you were a victim of ID theft there would be no bills to pay and your credit would only take about 6 months to straighten out, not 7 years.

It also clearly states, in bold lettering, that you were a victim of ID theft. It happened to me at about the same time as you, and it did not take long to straighten out and I did not pay a dime to anyone.