Questions and Answers
Your Questions About Cheap Apartments No Credit Check
Can someone help me on serious situation with my credit score?
Okay, I’m 21 years old and I live in apartment with my good friend. Ever since I was about 16, I’ve been independent with everything that involves financial issues. I pay for everything but I am working a job that pays 400 a week. I am currently 2500 in debt with 1400 in my bank account. I recently checked my credit score and it was 551 and its not getting any higher. What can I do to help rebound back to the way my life once was? Alot of the debt is in collections but its hard to reach them to work out a payment plan. Any options and do I have any hope for my future?
I don’t understand how someone can be in debt and have 1400 dollars in their savings? The money your saving should be going towards paying off your debt.
To get out of debt your just going to have to curb your spending and focus on paying off your bills. You could go to a bank and try to get a consolidation loan or just pay it off through the collection agency. You have over 1000 dollars that could go as a down payment.
400 a week times 4 weeks in the average month means 1600 dollars a month.
Even in a big city you can find a place with cheap rent. I live in down town toronto and pay 370 a month (including utilities). Even if you found a place with 600 dollars a month rent, subtract 300 dollars for food and 200 for other bills (you could definatly spend alot less then that) you still have 500 dollars a month to put towards your debt. You would be debt free in 3 months.
Then you would just have to make sure to only spend what your making to keep your debt under control.
What advice can anyone give me about finding and moving into an apartment?
I lived with some friends in a rental house for two years after high school, then I bought my own home. However, I am moving so I can continue my education. I have never lived in an apartment, and I need to know what to be aware of when choosing an apartment.
There are so many things you need to look for. First, you want to see what kind of credit you have. This will determine what kind of apartment you will try to get. Decide whether you want to live in a large apartment community or if you want to live in a more private setting.
After you have decided, you want to inspect the apartments the same way you would have inspected your home. Little cracks here and there could be the result of larger damages, so please be sure to address any and every inadequacy you see. This also helps prevent the landlord from saying you are responsible for damages you may have walked into. Look for gaps between the floor and the wall. Check out the windows for drafts. Make sure the stove and refrigerator are in good working condition. Look at the ceilings for stains to find traces of any leaks there may be. If your apartment is carpeted, make sure it is clean and in good condition.
Check out the neighborhood. Things are always peaceful during the day. Drive by at night. Are there people/children running around and making noise at 1am? How do the neighbors seem? Is there trash lying around in the neighborhood? Do you see cops cruising by as much as regular cars? These are all telltale signs and things you should watch for before moving into an apartment.
I made the mistake of renting a cheap apartment, totally unaware of the neighborhood and the landlord. I had to deal with gunshots, loud neighbors, roaches and no extermination, invasion of privacy from the property manager & his goons and neighborhood blockages from the police for a whole year-until my lease was up. You don’t want to make the mistake I made.
You want to make sure you have at least 4 months rent saved up before you move, in case you need an extra deposit or for a rainy day.
Also, when you visit the property, do the current tenants seem pissed or happy to see the landlord and/or property manager? If not, this may be a sign of something. You could even ask tenants you may see in passing how they feel about the apartments you will be moving into. Also apartmentratings.com has some apartments listed with ratings from previous or current tenants.
What should I know about when searching for an apartment?
My boyfriend and I are 19. We’re ready to be on our own and would like to get an apartment together. Anything we should ask or know about while searching?
First, find an area that you like, then figure out what you can afford (only about 30% of your income should be paid for rent)
What is the lease term?
Is it cheaper to sign a longer lease?
Is it more expensive to do a shorter lease?
What utilities are included?
For utilities that aren’t included, what is the average monthly cost of those?
Is smoking allowed? Or banned?
Do you accept co-signers?
Do you perform background / credit checks?
What is the deposit?
Is the deposit refundable after move out?
How old is the carpet, appliances…?
Any amenities (pool, hot tub…)
Is there laundry in the unit? Or somewhere on site?
How is the noise from surrounding units?
Is there assigned parking?
How many cars can I have in the parking lot?
What happens if we break up and want to move out early (not that you will, but you need to know the penalties involved just in case)
Are pets allowed?
Pet rent? Pet Deposit? (is the deposit refundable?)
Is there on-site 24 hr maintenance in case something breaks?
Are the locks changed?
When is rent due?
When is rent considered late?
Is there a late fee?
You will likely need a co-signer because of your age.
But when you do find a place that you like, check the police reports for the area, I use CrimeReports.com and it shows all the types of calls for police in the area as well as registered sex offenders. Also, ask them for a blank copy of their lease so you can look over other things I may not have already mentioned.
What is section 42 housing and how can illegal immigrants get it?
Apparently it allows corporations to buy properties and rent them out for cheap to obtain tax credits. But how is it possible for illegal immigrants to obtain these apartments? I know a few and have no clue how that’s possible. Shouldn’t they be for citizens and legal residents or nobody asks?
@angie: A lot of our own citizens can’t get them because the waiting lists are too long. Instead their financial situation gets worse and worse after losing their home, apartment etc. So why do we give it to illegals then? They already cost us tons of money each year.
Section 42 is a tax credit investors receive when they purchase rental property and rent it at less than market value. Each dollar spent, the investors do not have to pay a dollar owed in Federal income taxes. Almost all Low Income Rental Housing in the US is Section 42.
The reason is simple. The elected politicians in your state have passed a law saying that it is illegal to discriminate against illegal aliens in housing.
My state, (Oregon) has the same law, making it illegal for me to ask anyone if they are a citizen or in the country illegal. All I can consider is if they have the income to make the rental payments, their past rental history, and their criminal record. There are a few other things I can check, but I have to be very careful not to discriminate when I do ask.
The purpose of the law is not humanitarian, it is to appease the Business Interest that makes profits from the Labor of Illegal Immigrants. Without Illegal Immigrants, the Business Interest would have to pay higher wages and receive less profit.
How do I go about moving to a different state?
I currently live in Ohio but I am wanting to move to Wilmington North Carolina.
The dilemma here is that I can’t afford to go back and forth to find an apartment and I also have terrible credit. Which is my fault. I understand that, but I need a place to live. I have money saved up and have no problem with working at a fast food place till I can find something better. I just don’t know how to go about finding an apartment A.Living in Ohio and B. With terrible credit.
Any places that do not do credit checks that I should look into? or any other advice….
I am well aware I should just pay back my debt.. but that won’t help my credit score anytime soon.
Any help is greatly appreciated.
Hmm, let me think a moment. If you have a job already, you might see if your company has any branches in that area so you could transfer–that would give you a ready income. If not, look at places you have worked and see if there is similar work in Wilmington, NC. Do you have a credit card? –even one major one–that could get you into one of those extended stay hotels which are cheaper than regular hotels until you find an apartment.If no credit card, go on-line and search for extended stay apartments–you may have to settle for one that isn’t 4-star, but it would work for now–you may have to pay a week in advance.
That could give you a place to live and you can use the time to scope out where you like to permanently be while you get your debt under control. Kill two birds with one stone. Anyway, hope that helps.
How did you decide where to live?
My fiance and I want to leave the town we grew up in, they’ve stripped out the cool and fun attractions and replaced them with senior housing and ritzy apartments. It costs about $1300 rent for a simple 2 bedroom duplex, it’s ridiculous.
I don’t want to move to a smaller town, but we can’t get anywhere by staying here.
How did you know where to go? Did you make the right choice or regret it?
What are some tips for moving out for the first time?
I moved out a year ago, it was a bit odd but refreshing too.
Things I have learned to consider:
If it’s not already too late on this, are the people you’re moving in with trustworthy and can you get along with them for long periods of time.
How far is the building you’re moving into from all of the shops, your place of work or education if applicable. How much would public transport cost to and from each place if that’s also necessary.
Make a list of things you spend money on, try and work out an average of what you spend weekly and maybe monthly if you so wish. Compare it to how much you earn and see if you need to try adjust that in some way. Also try and keep an eye on what you’re spending in the moment, impulse buying can lead to dire situations as I’ve learned myself.
Do a little research on phone companies for the best deals in internet and phone packages, what are you going to be using the phone most for and what package would most suit that. Also, electricity and gas.
Make sure you have all you need in the kitchen for cooking, also cleaning supplies and toiletries. As annoying and frustrating as it may be, cleaning and dusting can help keep things organized so that you wont lose them and comfortable so that you can simply relax in quiet times without stepping all over something you forgot about.
What are your best money saving tips ?
1. Stay out of the shops. I do my main shopping once a week, and go late when reduced prices are reduced again for the last time. If I went shopping every day, I would spend each time. It is easier and less tempting to just stay away.
2. Read newspapers online.
3. Cook more than one meal at a time. It takes less power to reheat or microwave next day, than to start from scratch. Use less meat and more veg. It is healthier and cheaper.
4. My immersion heater is timed for two hours morning and night. I don’t need constant hot water when I am at work or asleep in bed.
5. Dry laundry outdoors. Folding items neatly reduces ironing to the minimum.
6. Do online comparisons for insurance renewals. My comprehensive car insurance renewal quoted €447, and an online search found equal fully comprehensive for €285 with a different insurer.
7. Wash your own hair at home, and delay haircuts for a further one or two weeks, or let it grow long.
8. Go to bed earlier. Saves light, heat and late night nibbles.
9. Wear what you have and don’t buy more until necessary. Even then, check charity shops first. They often have new items donated.
10. Cook at home and don’t eat out. Bring packed lunch to work.
11. Invite friends around to play cards or scrabble / watch videos / have a musical jamming session instead of going out on the town.
12. Find free or nearly free (concerts, exhibitions, talks) things to do when you do go out.
13. Pay anything saved as extra off credit card or other loans. Getting rid of debt saves a bundle of interest
14. Find a bank account which will give you interest on your credit balance, charge no fees monthly, and allow overdraft facility without penalty. This facility is just a comfort zone. Make sure you don’t need to use it, by monitoring your account closely.
15. Join a credit union. If someday you do need a loan, you will qualify to get one quicker than with a bank.
16. If you have any other money over, pay more of your mortgage now while interest rates are low. This will benefit you in the future if those rates begin to skyrocket.
17. Research holidays well, before you book. I had a week in France for less than €200 including budget flights, meals out and all other expenses. I stayed in a youth hostel. That price would hardly cover a weekend away, at home.
18. Keep a budget record of your spending. I do mine on an Excel page. It helps identify where money has been wasted, and also to see clearly which were “wants” or “needs”.
What’s the best way for me to use my money (wisely), if I don’t want to use any credit cards?
I am the epitome of a hermit, but my ambition is out of this world. And all I need is the basic necessities of life, as well as money to keep me stable while I’m in school. And in regards to entertainment, my labtop does the trick. Now I know this might sound like a very mundane way of life, but to be quite honest I’m very content, because I’m doing it as I speak. Right now I’m living with my parents, but I want and need to get out on my own. And based off the criteria for how I want to live, the road’s going to be a very lonely and miserable one, but that’s fine because I’m thinking longterm. So what else would you advice me to do prior to making these decisions? And is there anything else I should take into account? Besides gas, bills, emergencies and etc.? And has anyone ever had an experience like this before? Are you out there trying to do the same thing? And If so, how is it going? Lots of answers and opinions would be highly appreciated! Thank you!
I just moved out on my own. So i’m going t go through step by step on what you need to do, that i’ve noticed i should have done.
First get a job now. Get at least a few checks saved up of money.
Second on your free time, figure out wherever you want to go (what city etc.) and look and compare apartment prices. You’re single so the cheapest thing for you would be a studio apartment, if they don’t have those, one room. You’re loking at easily spending between 400 and 650 at least a month for apartment. Also you will need to save up a deposit for the apartment. This is also something to compare while looking at apartments. Some have 200 dollars and some go all the way up toward 600. Also when you visit the place, be sure the route to it is more flat than hills. As going up and down hills on a daily basis will drain your gas.
You’re one person so you’re looking at about a $30 water bill a month. IF you conserve water. You can do that by turning off the shower while you shampoo your hair, and then turn it back on to rinse. Little habits like this will help you save money.
If you want tv and internet you’re looking at 80 bucks at least a month. However if you are wise you could just get internet and watch your shows through the internet. That will save you about 30 bucks if you do this.
Your power bill will be about 60 a month. Little postive habits like turning off the lights, not turningon the ac or heater unless you really need to (and when you do, have all windows and etc shut) Also unpluging the cord to your phone charger or etc instead of leaving it in the socket all day.
Also food, it’s really expensive. I just got done buying grocieries and it toatled over 60 bucks, just for a week and i get cheap and generic things by the way. So for a month plan to spend about two hundred a month on food. Always aim for more. Better to have money left over than no money.
I use a debit card. It’s very simple to use and it’s more convinent than carrying cash w me. I’venever owned a credit card. If you get onedon’t go buying little things or go shopping with it. Little things add up before you know it. Get a tank of gas every once in a while and pay it off .
For me, it’s kind of a shock. Really different than living with my parents. I have a better relationship with them now. But man. Sometimes it’s scary. I’m 19 and I just seem so little now. Like i feel really young to be doing this all. But I get by and the freedom is fun. I am also 4 hours away from my family so the drive home isn’t on i can make very much. So i miss my family. I was always close to everyone. We all lived in the same small town and i got to watch my nieces and nephews be born , start school. One is starting to walk now and it hurts i’m missing out and he won’t know who I am. But everyone has to go through this, right?
has anyone ever had a house fire? How does the insurance handle this?
Does the insurance hand you a check for all your personal belongings??? Say you have your house insured for 190,000.00 and personal property for 110,000.00? I know they won’t hand you the check for your house but what about your personal belongings?
I had a house fire in 1995; the entire house had smoke damage and was taken down to nothing in the inside; so we had the outside frame and no drywall, appliances etc;
a restoration company came in and removed everything; they took to a special place where they tried to get the smoke out; they were able to get maybe 10% of it saved;
the repairs, construction was done by a contractor inside; floors, carpeting, woodwook etc;
the applicances, furniture we bought and then submitted claim forms for reimbursement; depending on type of policy, if you have replacement cost, they will reimburse; but you have to replace with like kind; in other words, you cant buy a high end dishwasher when you only had a basic low cost one before, or they can deduct out the difference; now there are some things that change for the better and are cheaper;
ie; dvd player; if you bought one say 5 years ago, it might have cost $500; today you can buy for less than $100 with 2 to 3 times more options;
if you had 3 tvs, you are entited to 3 new tvs; but you got to remember, they have your stuff if not completely destroyed, so they know if you are trying to get more than you had before; if it was destroyed, you might have to verify thu photos that you had something to be entitled for the replacement; also, on couple of small bedroom tvs, they only gave us 10% replacement, stated they were over 10 years old, so we werent entitled to new replacement prices, but only acv (actual cash value)
as for clothing; i lost about 90% due to smoke damage; i had to try and remember how many suits, shirts, shoes etc i had; they probably only paid about 10% of the original value i paid; that hurt the most; other things to consider is food, may only give minimum for frozen and try and calculate how much food you have in your pantry or shelfs;
you also have a deductible on your policy that they will subtract out; it is doubtful you will have $110K in personal property, but more likely $20K to $50K;
hopefully you have a couple of good credit cards with no balance on them; the receipts will be needed to get a reimbursement check from the insurer; it also buys time to pay the bill, since most likely will take from 2 wks to a month for each claim you submit; by the time we were dont, we probably filled out about 50 pages listing items to be reimbursed;
by the time it was all done, i suppose we were out almost $5k for out of pocket expenses either not covered or reduced;
i am not sure if you had a fire allready or just wondering what would happend if you did;
if you did; before buying anything, check with your insurance adjuster for the procedures on submitting claims;
also; they did pay for 3 months for us to live in an apartment since our house was unlivable;
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