Hi reddit. Not sure if this is the right place to post but I’m pretty upset and would like some advice.
I’m 19, have a 703 credit score and a very good income for my age. I have a lot of savings and no debt. However, again, I’m 19. So I barely have any credit history, maybe about 6-8 months worth. I applied for my first apartment at quite literally the only place in my entire city that was viable for me. I am physically disabled, and don’t drive, so I needed to be in walking distance of a grocery store. Which, in my city is impossible to find. I found a place that was quite honestly expensive for what it was, but still close to my budget. However the location was PERFECT. Everything you could ever need within walking distance AND it was a nice area. Apparently everyone who lives there doesn’t even drive much, which is what I needed.
I thought I had everything right. My income is well in the 2.5x needed to rent, I have a high credit score, no debts or anything alarming on my credit history. I just come from a family with credit debt so I’ve always been scared of getting a credit card (til recently, when I realized I have to grow up and just do it lol). So my credit history is sparse. Everything seemed like it was lining up for me to be approved and I was told I wasn’t.
So now I’m out of my $50 application fee (actually, they charged me $500 upfront so let’s hope I get that back...) and don’t even have the energy to go looking again, because I sifted through well over 200 apartments until I finally found (what i thought was) “the one”. But I guess not.
I’m mad and confused but I get it. How should I go about finding a different place? Obviously finding one that works for me will be a struggle enough, but what should I do to find a place that doesn’t care about credit history? Is that something I should ask before applying? I’m scared I’m just gonna get denied every single time because of how young I am but... I need to move, so.
It sucks because I have to live in a newer or at least updated places for accessibility reasons, which many older places or even homes renting out don’t offer. So I’m stuck with these upscale places I honestly don’t even need which I think hurts my chances since they most likely have much higher standards for renting out to people, hence why they denied me. I’m worried all these newer places have those same high standards and I’ll get denied again :/.
Any advice would be helpful. Please go easy on me, lol. I know this is reddit but this is my first time ever moving on my own so I’m new to all this stuff. But any honest helpful advice is appreciated.
Submitted August 05, 2020 at 08:07PM by strugglecciity https://ift.tt/2Pwivfu
