How to Get an Apartment With a Past Judgment

A past judgment hurts your credit score and can stop your rental application approval. If you have credit problems, qualifying for a mortgage is nearly impossible, and renting is likely your only option for housing. You can find a rental with credit problems triggered by a past judgment. The key is knowing how to convince landlords that you're reliable.

Instructions

    1

    Pay the judgment and ask your creditor to update your credit report. Paying a judgment may not remove the item from your report, but creditors can change the unpaid status to paid, which can help you qualify for rentals and other financing.

    2

    Rehearse your explanation for the past judgment. Delinquencies and judgments caused by situations out of your control may soften the landlord. Such situations can include overwhelming medical debt following a lengthy illness or falling behind on bills because you lost your job.

    3

    Discuss the judgment early in the process. Mention your credit issues before completing your application and submitting your rental fee. Inquire as to whether a past judgment will impact your approval odds.

    4

    Submit evidence that you have the income to pay the monthly rent. Some landlords don't expect or require perfect credit, as long as applicants have the income to keep up with rental payments. Bring copies of W-2s, paycheck stubs, banking statements or income verification letter from your employer.

    5

    Have a relative with a good credit history to co-sign your rental lease to help you qualify.



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