 TITLE: How to Get Approved for an Apartment CONTENT: Options for Renting an Apartment When You Have Bad or No Credit\n---------------------------------------------------------------\nPoor credit or a slim credit history can create roadblocks to getting approved for an apartment. Here are some potential workarounds that could help your application along, even if you have bad credit.\n*   **Consider a cosigner.** Look to a parent, friend or other family member with good credit who's comfortable coming on as a cosigner. Just keep in mind that if you fail to keep up with your rent payments, they'll also be held financially responsible. This is something that could create a strain on the relationship if you don't hold up your end of the bargain.\n*   **Offer to pay more upfront.** Paying a security deposit along with your first month's rent is standard when applying for a new rental home. If you have poor credit, offer to put down a larger deposit or an extra month or two of rent. It could be enough to ease the landlord's concerns, especially if it's presented alongside strong references and proof of steady employment.\n*   **Narrow your search to landlords who won't pull your credit.** While rare, not all landlords require a credit check. Zero in on individual landlords who may be more willing to bypass it when compared to property management companies. Still, there are no guarantees, and you'll likely need to pay more upfront to make it worth their while. Sites like Craigslist and Facebook Marketplace can be good places to begin your search.\n*   **Lower your expectations.** Instead of moving into a nice apartment close to work, you may have to settle for a more modest unit in another part of town. Opting for a more affordable place could cause a landlord to put less weight on your creditworthiness.\n*   **Consider moving into an apartment with an established lease.** Moving in with a roommate who already has a rental lease could be a great option for someone with less-than-perfect credit. Just be certain their lease allows for subletting. In some cases, you may still need to submit to a credit check, but the landlord may offer more leeway. Another option is to move in with a roommate who owns a home. In this case, you pay rent to them directly, which they put toward their monthly mortgage payment. END