Can't rent because of a charge-off...what can I do?
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Anonymous
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We've been denied 3 leases now because I have a charge-off just old enough it hasn't dropped off yet. It should drop off during the lease, but as this is a one-year move, that doesn't help. It was an issue buying our current house, but DH has a high enough salary that we dropped me from the mortgage application and just used his. Unfortunately that doesn't work for rentals which want the credit history of every adult.
My credit score is 815+, but the charge-off has rendered the score moot. Is there any solution? DH is going to have to move alone if we can't come up with one. |
Anonymous
| If it were me I would just have your DH apply and claim he is moving alone. No LL is going to check who is living there once you actually take possession of the unit and provided you pay rent on time and are not a PITA they will not evict you for it (assuming you don't have like 20 people move into the unit with you). |
Anonymous
| Why does the LL need everyones credit? What if you were moving in with your 18 y/o kid? I'd see if you can have DH apply alone. |
Anonymous
| What is a charge off? I've never heard this before. |
Anonymous
| If dh has a high enough income why didn't you all just pay the bill? |
Anonymous
| That doesn't sound right. What place is denying a lease to a person with an 815 credit score? |
Anonymous
We didn't have a high income back then, and it was a pre-marriage personal card I didn't pay. I got in over my head with my baby expenses, then developed PPD and was overwhelmed by everything. Big mistake that I'm trying to rectify. |
Anonymous
Score doesn't matter because of the charge-off, we're told. |
Anonymous
How much money was it? |
Anonymous
| Pay your bills then rent. |
Anonymous
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What is a charge off?
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Anonymous
I paid it. It's still on my credit history. |
Anonymous
Under 2k. I just didn't have it. |
Anonymous
| The big buildings run by management companies are really stringent and ridiculous. Can you find someone who rents his family home or apartment? They won’t turn you down on an old charge off. |
Anonymous
Great advice (sarcasm) |