Can you still rent an apartment in Dallas with bad credit?
Apartment seekers looking to rent an apartment in Dallas with a less than stellar credit history can face challenges in getting approved for a lease. When a prospective renter comes to us looking to rent a Dallas apartment with bad credit, we get to work putting our knowledge and experience of more than 30 years of apartment location expertise into motion for you. J. Ellis Apartment Locators knows the challenges that a compromised credit record can cause for renters, even if you’ve mended the issues you may have had in the past.
That’s why it’s critical to work with a locator that knows the best way to find an apartment community willing to work together to get you into the type of Dallas apartment that you’re looking for. When you utilize our free apartment location services, you get all of the best apartment deals in Dallas and surrounding areas that we can find, without the hassle of going through the lease application process on your own multiple times, only to be turned down in the end and lose your application fee.
Before you begin your apartment search, there are strategies you can employ to increase your chances of getting approved to rent an apartment in the type of Dallas apartment communities you want to live in.
- Pull a free credit report. The smartest way to start your journey is to pull your credit report online for free. You can use the U.S. Federal Government mandated online service called Annual Credit Report (www.annualcreditreport.com) to pull your credit report from all three major credit bureaus at no charge to you once per 12 months. This is the only service is officially approved by the U.S. Government to provide free credit reports, so be aware of scams that claim to be “official free credit reporting services” but only gather your personal information for marketing purposes or worse.
- Examine and dispute negative and inaccurate items on your credit history. Once you’ve pulled your free credit report, you should exercise careful consideration in examining every negative item on each report from the three credit bureaus and determine if there are any inaccuracies listed against you that are negatively impacting your credit history. Many people have been the victims of identity theft without their knowledge, and have negative items on their credit report that they never knew were there. Occasionally creditors can also misreport negative credit information to the big three credit bureaus, showing negative items on accounts that were actually paid on time and/or in full. You should file any appropriate disputes against these negative credit history items with the credit bureaus as soon as you find them. Once they’ve been removed from your credit report, you may be in a much better position to apply for a lease in a Dallas apartment that you desire.
- Work with debtors directly. Another option to consider before you apply to lease an apartment in Dallas with bad credit is contacting your debtors directly and requesting a flexible payment plan or a beneficial settlement offer in exchange for negative information being removed from your credit report. Some creditors may be willing to work with you to discharge bad debt if you pay them a suitable fee upfront toward the payment of bad debts and may be willing to remove the offending items from your credit history if you provide payment in full or in part to discharge the debt. When considering this option, be sure that any agreements are given in writing so that you have a record of the agreement that you can show a leasing manager in case of any issues.
Finally, contact J. Ellis Apartment Locators so that we can work closely with you and selected apartment communities that are willing to place tenants looking to rent an apartment with bad credit. With our knowledge and experience of working with so many Dallas apartment communities over our 30 years in the industry, you will be saving time, hassle and get back to building your credit in no time!