Are you looking for an apartment in the San Jose area and have been denied because of bad credit? This can be very frustrating especially if the credit issues were caused by issues beyond your control. Many apartments do not even bother to listen to the reasons behind why an applicant may possess poor credit. Many cases involve divorce, bankruptcy, foreclosure and even medical bills that have become delinquent.
Unfortunately, the practice of routinely checking applicants’ credit history has become prevalent in most San Jose apartment leasing offices. Just because most apartments have resulted to the practice of pulling applicants’ credit scores does not mean that all the apartments in the city will do it or decline you once they do it. It depends on which particular apartments you go to. Some will pull credit but be lenient about what they find and others will simply not do it. The secret to being approved for an apartment even with poor credit in San Jose is to either locate these types of apartments or find those that do not access clients’ credit. Here are list of apartment locations:
Downtown SanJoseJapantownEvergreenAlvisoLittle Portugal
These apartments are difficult to locate is that they rarely advertise that they accept problem applicants. Their reluctance is usually because they want to keep attracting tenants who have perfect credit. They are also reluctant of pulling in the “wrong kind” of people and therefore have issues with broken leases or crime in the community. An easy way to find these apartments in the Sa Jose region which have no problem renting to people with problematic credit is to use the Internet. This is a convenient way to look for housing and one can even read tenant reviews before making an informed decision. Using apartment locators can also be beneficial. These usually maintain a list of apartments that can work with people whose credit is tarnished. Finally, one can also talk to trusted friends, family and co-workers who may have an idea as to where to rent. This type of networking has helped scores of people with poor credit find decent rental units. Once you have narrowed down on the apartments, be prepared to furnish proof of employment and income. The apartments insist on this in order to be sure that you will faithfully meet your lease obligations.
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