Reply to Can't rent because of a charge-off...what can I do?

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Reply to "Can't rent because of a charge-off...what can I do?"

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[quote=Anonymous]I can't speak to OP's story specifically, but I am in a similar situation and find it quite frustrating.

My identity was stolen about 2 years ago, and a credit card was opened, and maxed out in my name. It was charged off, and then I was sued over the debt ($2k). I settled and paid the amount, even though it's not mine. So now on my credit it shows as a charged-off debt that was then 'cancelled by grantor'. My credit is 660, not amazing but not stopping me from renting. I've been told by multiple apartment complexes that the automated credit screening denies me before they even look at income or credit number, it's the past bad debt that trips the screening.  And they're not luxury apartments either, although i don't think it would matter what price or income since it never gets to that part of the process, and they don't make exceptions.

So I guess I have to sublease and scrum from cheap individual listings for the next decade? I feel bad for people out there, I have good income but still feel awfully close to being homeless just from the system we have. [/quote]

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