 TITLE: What Credit Score Do You Need to Rent an Apartment? CONTENT: Tips for Getting Approved When You Have Bad Credit\n--------------------------------------------------\nA high credit score can be a point in your favor when you're applying to rent an apartment or house. If your credit score could use some help, take steps to improve it. Alternatively, you could look for ways to work around it. One idea is to seek out landlords who don't check credit—or whose credit scoring standards might be in line with your score. Hoping to find a landlord who's simpatico? Ask what their requirements are before you submit an application.\nChanging your environment might help as well. RENTCafé found that average credit scores varied significantly from one major city to another, and between large cities and surrounding areas. There was also a significant spread between luxury apartments and affordable housing. Renters in high-priced buildings had average credit scores of 669, compared with 626 in mid-range buildings and 597 for low-cost apartments. If your sights are set on a high-end rental, choosing a more modest option could help improve your eligibility.\nYour credit score isn't the only thing landlords will consider when reviewing your rental application. Try making yourself a more appealing candidate with these tips:\n*   **Highlight your income.** Demonstrating that you earn at least three to four times your rent on a steady basis goes a long way toward qualifying you for a rental even if your credit scores are low. If your income doesn't make you a stellar candidate at one place, look for another place with lower rent.\n*   **Pay more upfront.** You may be required to pay one to three months' worth of rent upfront as a security deposit if your credit is poor. You can also offer a few months' rent proactively as a gesture of good faith.\n*   **Make your case.** Maybe you have a story your landlord should hear: You've taken steps to overcome past finastrongcial setbacks or have a new career after completing your education. Writing a quick letter of explanation to add to your credit application might make a difference. Also think about whether your current landlord or employer would write you a letter of reference.\n*   **Look for a roommate.** Adding a roommate to your lease or rental agreement can increase your creditworthiness and your qualifying income.\n*   **Find a cosigner.** A cosigner with a good credit score can also bolster your case, but be cautious about exercising this option. If you default on your rent, your cosigner will also be on the hook. END