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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 way 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. However, 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.
This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.
Sandra on August 04, 2019:
Bad decision by taking the two bedroom apartment is 1350 vs $2,000 but what is good is money if you're not happy in a
Marlene Ehler on July 14, 2019:
Had to move in with x souse did to unaffordable Payme t on rent. Now I’m paying most of my fixed income to keep his mortgage safe. I want something I can afford to my income and be out of this unstable robbery he’s set n I do t have a dime to stand on. I need help for housing list accordingly to my Ssdi income.
Rachelle Williams (author) from Tempe, AZ on April 15, 2019:
Filing for bankruptcy doesn't "clear" the eviction, per se, it only clears your legal obligation to pay it. You might want to check with a credit repair consultation service to have it done...
Wilma on April 15, 2019:
If you file bankruptcy which clears the eviction, how do you get the eviction removed?
Rachelle Williams (author) from Tempe, AZ on April 04, 2019:
How can I help you? Where do you live?
Tameka Williams on April 03, 2019:
Please help me I really need some ware to live
Rachelle Williams (author) from Tempe, AZ on March 09, 2019:
It might hinder you, it all depends... An eviction is a legal process that requires the involvement of a court of law. If there was an eviction proceeding started against you, there will be a history of it in the public record. Most jurisdictions' public records are available online, I would check to see exactly what is already there in your name. Anyone can check the public record in most places, so someone could use it to exclude you from renting a place if they so chose.
Kimmie on March 09, 2019:
I had an eviction started but it was reversed but still showed up it was considered a stipulation could that also hinder you
Pissed off on October 13, 2018:
I lost my job so I lost my apartment simple as that I am looking for help not judgemental attitude
Charles Johnson on July 26, 2017:
How can I find a house
Victoria Wiley on June 27, 2017:
I have a eviction, but i don't owe anything to the landlord
Ericajean on April 11, 2013:
Wow! Good advice! I am currently working on a similar article(and was redirected here); after much experience and research on this same topic, I can't help but agree with the information found in your article. It is very true that "no credit check" places are not always so decent.
monicamelendez from Salt Lake City on July 19, 2012:
Solid advice and you're right, a private owner is rarely going to pull your credit - even if they say they will.