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

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[quote=Anonymous][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]

You can thank tenant-friendly landlord tenant laws. Have you looked at the posts talking about what it takes to get a deadbeat tenant out in DC or LA? The landlord either has to wait years and never get back rent or pay the tenant to leave.  I wouldn't be a landlord in those jurisdictions for that reason (so it limits the number of rental units available) *and* it makes the landlords that are out there very very picky about who they'll let in.

I suspect that OP is moving to a jurisdiction like this, which is why the landlords won't just rely on the DH's credit.  If DH moves out and leaves OP, and the OP doesn't make the rent, the landlord in those jurisdictions can't throw her out, even if her name isn't on the lease.  There's no reason for them to take that risk when there are plenty of renters available. [/quote]

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