Hey PF,
I used to live on my own in an apartment complex under Edward Rose. I lived there for about 2 years, and ran into financial hardship. I've had really bad luck with jobs, and struggling with depression made keeping one a lot worse. I've always made rent payments, but they were late. I was never evicted, only that the landlord decided not to renew my lease due to late payments, and I didn't leave the apartment a disaster after I left.
It's been over a year since I've lived there, and I've been trying to recover my credit. Currently sitting at 511 with a few thousand dollars in debt.
My debt is unpaid medical bills, student loans that have taken my tax returns for the year of 2015, and quite possibly 2016. An old Amazon store card that was paid off, and an old utility bill.
I've made payments on some of these debts, not consecutively, but whenever I have some cash to throw at them.
I've been working at this current job for roughly 2 months, and I pull in $2000 a week.
Back on topic to the apartments - I keep getting denied for places. I'm not sure how Edward Rose works, they have a monopoly on the apartments within a reasonable distance to my work.
One of the apartments that I applied to (the one I previously lived at over a year ago) denied me AND my girlfriend due to Past landlord history. We haven't got the letter in the mail, but that's vaguely what we were told over the phone.
Am I unable to apply to any apartment under Edward rose? They all seem to be different apartment complexes under one Edward rose company.
I only have a few months before I have to find another place, we've been living with my Girlfriends dad for over a year now, and he wants me to find a place around April, and it doesn't seem like he's willing to push it back.
My bills monthly are:
$400 Car payment with 15% interest (mega ouch) $300 health insurance + dental $200 phone bill
and a $1400 chiropractor bill that I've been trying to toss a little bit of money here and there to pay off. The Dr. is working with me on payments and he's pretty laid back.
My girlfriend currently goes to school full time, and she has a job thats minimum wage and is only paying her 10 hours a week as they're about to go under, so she's trying to find a new job after she's done with school around April.
How do I get myself in a better spot? I've even applied to apartments in a not so good area, and get denied. My girlfriend thinks we should try and take out a 50k mortgage and get a cheap house in the area as the mortgage payments would be about 200 a month. But if I can't even get approved for a credit card, or a low interest car payment, then what are my chances of getting approved for a mortgage? Her credit is better than mine, about 650.
Submitted January 31, 2017 at 08:52AM by BeerMagic http://ift.tt/2kmHHaH
