Trying to find Grapevine Texas apartments is hard enough when you have good credit. After a bankruptcy, however, it can be even more challenging. Landlords are often hesitant to rent to people who have such large blemishes on their credit report. Finding a place to live may require a few extra steps. However, it is possible to get a great apartment even if you have recently filed for bankruptcy.
Ultimately, your goal should be to ease any fears that landlords may have about renting to you. The more effectively you can do that, the more likely you are to find someone who is willing to work with you.
The most important thing to keep in mind is that you should always be honest with landlords. When they pull your credit report, they are going to find out about your bankruptcy anyway, meaning that there is no point in trying to hide it from them. When you first contact someone about renting a place, fill them in on your situation.
Although you don’t have to go into a lot of detail about the bankruptcy process, you may want to mention any extenuating circumstances that forced you to file. For instance, if you went through a divorce or lost a partner, most landlords will understand that those are one-time events that are not likely to happen again in the future.
Typically, you will have better luck working with individual landlords rather than property management companies. Most property management companies have strict requirements when it comes to credit. Independent landlords, on the other hand, have a lot more flexibility. As a result, they may be able to work with you even if your credit score isn’t very high.
One way to help alleviate some of the fear that potential landlords may have is by showing them your past rental history. If you have a solid history of making your rent payments on time, they may be willing to overlook your bankruptcy. If possible, you can also talk to your current landlord to see if you can use them as a reference. As long as you have been a good tenant, they most likely will be happy to vouch for you.
It is absolutely essential to have a job before you start applying for apartments if you have a bankruptcy on your credit history. Your odds of finding a place to live with poor credit and no job are extremely low. On the other hand, if you can prove to a landlord that you have a steady stream of income, they are more likely to look past your bankruptcy.
Finally, another way that you can rent Grapevine Texas apartments even if you have a bankruptcy on your credit history is by putting together a solid list of references. Don’t just use family members or friends. Instead, try to get references from business associates, your employer, or other professionals that you have worked with in the past. These types of references can go a long way toward letting landlords know that you are a responsible person who just went through a bit of a rough patch with your finances.