4 Tips to Find No Credit Check Apartments

Who knew apartments required good credit before giving you a lease? Many unsuspecting bad-credit-applicants have realized this fact the hard way. I know I did.

Why do apartments do credit checks anyway?

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Turns out apartments view a lease as a loan. If you're seeking a 12-month lease on an apartment that's 0 a month, you're essentially taking out a 00 loan that you repay over a period of a year. If you're late, you'll get a late fee. If you're too late, they'll repossess the apartment. So in that sense, I guess it is a loan.

4 Tips to Find No Credit Check Apartments

Reviews The Quiet Man (Collector's Edition)

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The Quiet Man (Collector's Edition) Details

The Quiet Man (Collector's Edition) Description

Director John Ford's Oscar-winning rouser stars John Wayne as an American-raised boxer who goes to Ireland to live in the village where he was born. There he falls for feisty Maureen O'Hara and engages town ruffian Victor McLaglen in a classic screen brawl. With Barry Fitzgerald, Mildred Natwick. 129 min. Standard; Soundtrack: English Dolby Digital mono; audio commentary by O'Hara; documentary; "making of" documentary; biographies; theatrical trailers.

The Quiet Man (Collector's Edition) Complete

Blarney and bliss, mixed in equal proportions. John Wayne plays an American boxer who returns to the Emerald Isle, his native land. What he finds there is a fiery prospective spouse (Maureen O'Hara) and a country greener than any Ireland seen before or since--it's no surprise The Quiet Man won an Oscar for cinematography. It also won an Oscar for John Ford's direction, his fourth such award. The film was a deeply personal project for Ford (whose birth name was Sean Aloysius O'Fearna), and he lavished all of his affection for the Irish landscape and Irish people on this film. He also stages perhaps the greatest donnybrook in the history of movies, an epic fistfight between Wayne and the truculent Victor McLaglen--that's Ford's brother, Francis, as the elderly man on his deathbed who miraculously revives when he hears word of the dustup. Barry Fitzgerald, the original Irish elf, gets the movie's biggest laugh when he walks into the newlyweds' bedroom the morning after their wedding, and spots a broken bed. The look on his face says everything. The Quiet Man isn't the real Ireland, but as a delicious never-never land of Ford's imagination, it will do very nicely. --Robert Horton

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Just like a loan from a bank, you must have a pretty decent credit score if you want to get approved for most apartments. Without that score, you'll have to fork up the cash to pay for the apartment, get someone credit worthy (and often a property owner) to co-sign, or you'll have to look elsewhere. Looking elsewhere is the only option for most people with bad credit.

If you want to rent with bad credit, you'll have to find a no credit check apartment.

Anyone who's been apartment hunting using those free guides you pick up from the gas station and Wal-Mart knows no credit check apartments aren't easy to be found. A Google search for "no credit check apartments" returns over 1 million results. Few of them are actually websites of places that will give you an apartment without a credit check. That's because finding apartments that don't do credit checks is a little tough, as you've probably already seen. People who own no credit check apartments don't do much advertising and they certainly don't advertise in the glossy pages of apartment books.

Here are some things to keep in mind as you look for an apartment that doesn't do credit checks.

1. No credit check apartments are typically owned by individual landlords rather than a large property management company. Individual landlords often own one or two properties. So based on the number tenants they have, it's often not worth it to do a credit check.
2. Large apartment complexes almost always do credit checks. The way they see it, they can't afford to lose money on a non-paying tenant, so they do their due diligence upfront to prevent that from happening.
3. Apartments with lots of amenities are typically owned by large property management companies and are more likely to check your credit. So, if you have bad credit, stay away from the apartments with pools and workout rooms.
4. An individually-owned condo or townhouse probably won't require a credit check, especially if it's newer. Chances are the owner hasn't been through many tenants and probably hasn't had a tenant skip out on the rent, so they don't have much reason to do credit checks.

No credit check apartments are out there. Use some of these clues to weed out apartments. Look for an individual who owns an apartment rather than a large company. That's your best bet for getting into an apartment with bad credit.

4 Tips to Find No Credit Check Apartments