Hi Everyone!
When searching for another apartment if you're deciding too move, because you had a eviction or broken lease occur, know which one you incurred on your credit report, before you apply to the new apartment complex. In prior post I've mentioned their are apartment complexes out their that give 2nd chances to certain kinds of evictions and broken leases, and these apartments require you to fit into their criteria to even consider you, and if you happen to fit, know beforehand you even doing the application if you're asked what happened was it a broken lease or eviction? You will know the difference, evictions are you not cooperating by not paying rent but still remining on the landlords property, until they have to get a court order to remove you out, while broken leases you leave on your own, and the landlord isn't court ordering you to move out. Both of these apartment issues are reported on the credit report as negative issues, and will be on your credit report for 7 years. So if you're lucky an locate another apartment that gives you a second chance with a broken lease or eviction on record, best thing to do is be upfront and know way beforehand which one you've encountered. As a apartment locator I've indeed run into some prospects not knowing if their situation was a eviction or broken lease, because of their landlord misguiding them by saying it was a broken lease, but then all of a sudden the new apartment complex runs the credit and background check and sees it recorded as a eviction. So if you got on your mind having to break a lease or you are already getting evicted, best thing to do is monitor your credit before you reapply anywhere else and realize which one you're being faced against, because it's better to know as I keep mentioning before you apply to the new place to save a even bigger headache from a let down, meaning for example being turned away because the apartment complex you like is only accepting certain kinds of broken leases, but you discover you're broken lease is actually a eviction that went not noticed because of possibly ignoring it, or not being contacted by the courts because of a bad address since you possibly moved. Now what you've encountered is a waste by having your credit ran first which will remain as a hard inquiry for 2 years, then 2nd you possibly missed out on another apartment complex that was considering evictions like yours, but their units got leased quickly, because you were messing around wasting time on the other one, you got denied on, all because of not being prepared before they were contacted in the first place. So conclusion with this post is don't get tangled up in a back/forth let down situation, by applying to wrong apartments when looking for 2nd chance apartments considering evictions or broken leases, because of you not knowing if you have a broken lease or a eviction on record. If many of you are confused about how to go about finding out their are plenty of solutions out their allowing you to view your credit for free. Some possible ways are:
- Ordering a free copy of your credit report from Transunion, or Experian or Equifax
- Signing up with CreditWise which is free from Capital One and allows you to monitor your credit for free by supplying you a summary on what's on your Transunion credit report, and even alerts you when something good or bad happens to your credit report.
- Signing up with American Express MyCreditGuide which is free and also gives you a summary and alerts from your credit report.
As I speak I'm signed up with Capital One CreditWise and American Express MyCreditGuide, and their free and honestly I've never had any issues with either and they truly are a excellent form of free monitoring for your credit. I highly recommend both, and have been using both for over 5+ years now.
I also love referrals so anyone you know needing a Texas apartment to lease, refer them this blog, and I will really appreciate it.
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