How to Find Housing With an Eviction on Your Credit
Having an eviction or foreclosure on your credit can seriously impair your ability to rent another apartment, or home.
I am not going to mention that you should try to avoid an eviction or foreclosure at all costs, because I am assuming that if you are reading this, you have already passed that point.
We all know that apartments that actually advertise “no credit check,” are probably not nice places to live, so you might want to save those options as a last resort.
Although the process is often time-consuming and frustrating, there are steps you can take to find decent housing.
The first thing you should do is try to get a rental as soon as you know that you are being evicted. Do not wait until the record hits your credit report, because if you do, it will take much more effort to try to find another apartment or home.
Obviously, if you are being evicted, you do not have the money to pay to stay in your current housing situation (unless your eviction is for reasons other than non-payment of rent).
If you have a portion of your rent, you should try to find a move-in special at an apartment community. I have seen apartment communities with move-in specials as low as $99, and believe it or not, there are decent rental complexes that run these types of specials from time to time.
The best ways to find these rental specials is to either drive around to different neighborhoods and look for the often colorful banners announcing the specials, grab an apartment guide where the specials might be listed, or check with a popular website like Craigslist and search for “move in specials” in the “housing” section.
Look for Private-Party Landlords
If the eviction has already hit your credit report, you are going to be in for a bit of a struggle.You can drive around and look for those “for rent” signs that private owners place in front of their properties, or check on Craigslist and search for “bad credit” or something of that nature.
If you find a private owner, chances are good that they will not pull a credit report. Although, many private owners are savvy, you would be surprised to find out that there are still a lot of people who have no idea of how to pull your credit report; they just want to make sure that you can and will pay the rent on time.
Unfortunately, large, established apartment complexes have the ability to pull a credit report within minutes, so you might want to stay away from those types of establishments.
The Extended-Stay Alternative
If you have searched for a reasonable amount of time, and you still cannot find a place to live that will accept you in your situation, you might want to consider an extended stay hotel until you can get back up on your feet.
Extended-stay hotels are like apartment hotels, and they usually come with a kitchen complete with a refrigerator, microwave, and stovetop.
They range from low-cost dives to expensive one-bedroom suites, and there are no credit checks and no leases.