Question to appartment owners AND renters …

[AntipathyParticipant 4901]

I live in a small, old, “crappy appartment”. I don’t have a credit score, and all my landlord wanted from me was a paycheck stub to make sure i had enough income to rent from him. I am a first time renter.

Now with that in mind, I will have a better job next year and will want to rent a appartment that is nicer. It won’t be a super nice place or anything, but I’m tired of living in this dumpy place, and will want to move to a nicer place.

Now my questions to you gents that rent out appartments to people. What do you require, do you require a credit score? Do you want to see a statement showing how much I have in my accounts ? Do you want to see proof that I have always made my payments on time ? If so what kind of proof is accepted ?

For those of you currently renting, what did your landlord want to see ? Obviously money, but did they require any of the above ?

[GeraldParticipant 3620]

Antipathy wrote:

I live in a small, old, “crappy appartment”. I don’t have a credit score, and all my landlord wanted from me was a paycheck stub to make sure i had enough income to rent from him. I am a first time renter.

Now with that in mind, I will have a better job next year and will want to rent a appartment that is nicer. It won’t be a super nice place or anything, but I’m tired of living in this dumpy place, and will want to move to a nicer place.

Now my questions to you gents that rent out appartments to people. What do you require, do you require a credit score? Do you want to see a statement showing how much I have in my accounts ? Do you want to see proof that I have always made my payments on time ? If so what kind of proof is accepted ?

For those of you currently renting, what did your landlord want to see ? Obviously money, but did they require any of the above ?

Proof of employment. Everyone has a credit score, and they will pull that, often they pull a background check now as well (part of the application fee). If they are a lower cost rental, sometimes they will just talk to your current landlord. Either way, proof of income is the biggest… My last rental (currently in) required a deposit, background check on me and my spouse, credit score of 650 or higher, proof of income, proof of in-state residency and information on cars and proof of renters insurance.

No longer can we walk away, we must run. Remove the motive power.

[AntipathyParticipant 4901]

Gerald wrote:

Nighthawk wrote:

I live in a small, old, “crappy appartment”. I don’t have a credit score, and all my landlord wanted from me was a paycheck stub to make sure i had enough income to rent from him. I am a first time renter.

Now with that in mind, I will have a better job next year and will want to rent a appartment that is nicer. It won’t be a super nice place or anything, but I’m tired of living in this dumpy place, and will want to move to a nicer place.

Now my questions to you gents that rent out appartments to people. What do you require, do you require a credit score? Do you want to see a statement showing how much I have in my accounts ? Do you want to see proof that I have always made my payments on time ? If so what kind of proof is accepted ?

For those of you currently renting, what did your landlord want to see ? Obviously money, but did they require any of the above ?

Proof of employment. Everyone has a credit score, and they will pull that, often they pull a background check now as well (part of the application fee). If they are a lower cost rental, sometimes they will just talk to your current landlord. Either way, proof of income is the biggest… My last rental (currently in) required a deposit, background check on me and my spouse, credit score of 650 or higher, proof of income, proof of in-state residency and information on cars and proof of renters insurance.

I actually have never had a credit card in my life. I’ve always paid everything with debit.

[BeerParticipant 11832]

Antipathy wrote:

I actually have never had a credit card in my life. I’ve always paid everything with debit.

I think if you have a cell phone or any other recurring bills in your name you pay off on time consistently, those help your credit as well. Besides that though, you may want to consider getting a credit card. I have a credit and a debit and swipe the credit everywhere I go because they pay me 1.5% cash back rewards and the debit card doesn’t offer anything. As long as you pay it off each month you don’t pay interest anyhow…and if your only using debit now and don’t change your spending habits you obviously can manage to do that. Never hurts to boost your credit, it will help if you want to buy real estate at some point and need a mortgage.

[GnosticParticipant 2491]

I don’t use credit card either.

I pay two months in advance.

There is no magic in MGTOW, just recognition of the truth and logical decision how to avoid dangers. The red pill is but the truth, it is no magical potion. Do not think in this modern world men have no longer have natural enemies, men are prey to women and government.

[FunInTheSunParticipant 8283]

You’re very lucky to avoid the credit rating system. I recommend getting a department store card (some are easy to get) just to build up a credit rating. Buy a cheap shirt and then make a couple of payments on it. People who have good credit ratings make their payments on time and have low balances on their loans and credit card accounts.

When I filled out the rental agreement for my apartment, they wanted me to make a deposit on that day. They wanted copies of my pay stubs, social security card, and drivers license. The rental agreement was about 5 pages long and I can’t remember everything I agreed to. They give me a 5 day grace period for paying my rent past the due date. After that, they’ll start the eviction process. They limit the number of people who can live with me. They don’t allow loud noises, loud music, and loud parties (a rule that my neighbors constantly break). They allow pets with an extra fee. And they will repair broken/worn out stuff (plumbing, electrical, gas, holes in the wall, etc.). The water bill is included with the rent.

"I saw that there comes a point, in the defeat of any man of virtue, when his own consent is needed for evil to win-and that no manner of injury done to him by others can succeed if he chooses to withhold his consent. I saw that I could put an end to your outrages by pronouncing a single word in my mind. I pronounced it. The word was ‘No.’" (Atlas Shrugged)

[NotMyProblemParticipant 965]

In the nicer neighborhoods, a good credit score will help you out.

Build your credit, not your debt. I have like 10 credit cards with $20,000 limits. I use one for the cashback (3% on everything), and I periodically use the others just to keep them active.

I have no debt, but once in a while if I’m going to make a big purchase anyways, I’ll put it on a card just to build my credit. The only time I do that is if I’m getting 0% financing.

2 reasons-

1- you will have amazing credit for when you want to rent an apartment or if you decide to go buy an apartment building down the line. Credit isn’t bad if you use it to make money!

2nd reason- Once you’re like 60, max them all out and go retire. Tell them all to go f~~~ themselves and there’s nothing they can do about it if you don’t have any wages orY property in your home country.

Or if you decide to leave the country one day and never look back… max them all out. If you stay out of the country for 6 years the debt goes away. (as long as you pay a lawyer to vacate the judgements when they come in…)

Burning your credit is not recommended in most cases. Build it up and protect it. Good credit gives you all kinds of benefits.

————-

For my building, since it’s not in a high-class neighborhood, all I look for is a paystub and some rental history. It might not be a bad idea to stay at your current place for at least a year to build that history. Moving out after like 6 months looks bad.

And get your own place. Sure you can save money living with other people, but having a quiet peaceful home where no one can f~~~ with you is an amazing thing to have. I have my best thoughts while sitting at my desk in silence…

Not my property... Not my problem

[~BSParticipant 3266]

landlord will request as much or little info as he feels comfortable with.

That being said, my .02 is that if your current apartment isn’t unsafe or if there aren’t any financial incentives behind the moves, you should stay put. Women like to continuously increase their expenditures on nicer things as they make more income. There is little reason for a single bachelor to immediately move if you can delay and save some money. Again, just my .02.

"He didn't marry until now, so he won't ever do it. Think about it, why would a man like him ever marry? It's too late to catch him. " ~some cunt

[MattNYCParticipant 2329]

Antipathy wrote:

What do you require, do you require a credit score?

I’ve rented 9 different apartments in the following:

College town in Massachusetts – just a sec deposit, no proof of income as we were all students.
Small town in Pennsylvania – pay stubs proving enough income to make the rent.
5 Different apartments in NYC, where there’s a pretty competitive market for apartments – here i’ve had to show bank statements, proof of income, proof of residency and credit reports.

So it varies a lot based on the market you’re in. NYC is by far the toughest rental market that i’ve lived in.

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