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please help me not be homeless!
Apr. 15th, 2013 05:27 pmAs some of you know, I've had to find a new place to live on not much notice and I've been extremely worried about not being able to find a place because I have serious credit problems. The credit issues come from student loans and my having made the major error of getting seriously ill while not in possession of health insurance. I have NEVER been evicted or even been late in paying my rent, in over twenty years of renting.
Well, I found an "affordable housing" apartment complex that will take me--if I can find a guarantor to balance out my bad credit. Because even the housing for poor people checks your credit! *fumes, but holds the rant for another time*
Unfortunately, I don't have family who can do this. And pretty much everyone I know locally works in retail and isn't any better off than I am. My housemate offered, but he wasn't sure his credit would be good enough.
So, I am looking for someone who is willing to be my guarantor. Although I promise I would never ever ever stick you with any financial cost, you would be assuming a legal responsibility in case I failed to pay the rent--like co-signing a loan. (I repeat: I would not do this to you. But, you know, if I were hit by a bus tomorrow or something, your name would be on my lease too, so as much as I would like to, I can't claim it's entirely risk-free for you.)
The basic requirements, if you're willing, are that you need to live in the United States, earn at least $18,000 a year, and have very good credit (your credit is balanced with mine in their computer program, and mine is pretty terrible). You also need to be willing to fill out an annoying, intrusive form that includes employment history and income, to offer proof of income (such as a tax refund), and to authorize a criminal background check and a credit check. The information can be sent to the landlord by e-mail so that they can screen you right away, but you would also have to fill out the physical form, which I would mail you and you could either mail it to me or directly to the landlord.
I know that this is a lot to ask. Can I repeat that I would never, ever, fail to pay the rent (which is $499 a month, the same amount I pay now), so you wouldn't need to worry about that. Still, it's a lot to ask and I will be incredibly grateful to anyone who is willing to help me.
Comments are screened so you can ask questions, etc. if you would like.
Well, I found an "affordable housing" apartment complex that will take me--if I can find a guarantor to balance out my bad credit. Because even the housing for poor people checks your credit! *fumes, but holds the rant for another time*
Unfortunately, I don't have family who can do this. And pretty much everyone I know locally works in retail and isn't any better off than I am. My housemate offered, but he wasn't sure his credit would be good enough.
So, I am looking for someone who is willing to be my guarantor. Although I promise I would never ever ever stick you with any financial cost, you would be assuming a legal responsibility in case I failed to pay the rent--like co-signing a loan. (I repeat: I would not do this to you. But, you know, if I were hit by a bus tomorrow or something, your name would be on my lease too, so as much as I would like to, I can't claim it's entirely risk-free for you.)
The basic requirements, if you're willing, are that you need to live in the United States, earn at least $18,000 a year, and have very good credit (your credit is balanced with mine in their computer program, and mine is pretty terrible). You also need to be willing to fill out an annoying, intrusive form that includes employment history and income, to offer proof of income (such as a tax refund), and to authorize a criminal background check and a credit check. The information can be sent to the landlord by e-mail so that they can screen you right away, but you would also have to fill out the physical form, which I would mail you and you could either mail it to me or directly to the landlord.
I know that this is a lot to ask. Can I repeat that I would never, ever, fail to pay the rent (which is $499 a month, the same amount I pay now), so you wouldn't need to worry about that. Still, it's a lot to ask and I will be incredibly grateful to anyone who is willing to help me.
Comments are screened so you can ask questions, etc. if you would like.
