Bad Credit now what

The best way to re-build credit is to pay outstanding past debts and pay future bills on time. Accumulation of payments, or debts, are calculated in national credit databases, which results in an individual’s credit profile, or score.The more you pay your bills on time, the better your credit profile.

Until now, paying additional upfront deposits was the primary option for applicants with lower credit, which often “priced people out” of a rental opportunity. For prospective renters with who recently went through home foreclosure or bankruptcy, for example, upfront costs could be prohibitive.

An Alternative to Costly Upfront Deposits: through payroll direct deposit, you are able to make rent the top payment priority each month! Some rental listing services offer free listings of professionally managed apartment communities across the United States. These managed properties offer programs to help you get the apartment you want without unreasonable upfront costs and acceptance hurdles.

Featured property companies know that the circumstances that impact consumer credit are often beyond an applicant’s control. But they also know that the applicant with lower credit scores may have had trouble in the past paying bills on time, a problem they want to avoid when rent is due. The site is designed to direct you to professionally managed apartment communities that offer a menu of “conditional acceptance” options that make getting the apartment you want more convenient, more affordable, and more worry free.

Payments through Rent Assurance with Payroll Direct Deposit are reported to a credit service in an effort to help participating renters rebuild their and repair their credit history. Property companies use credit scores as one indicator of a future renter’s ability to pay rent on time. Standard credit score requirements are set by each property company in order for applicants to qualify for an apartment lease. These standards vary by state, and even by community, but must be applied consistently for all applicants to the same community under Fair Housing guidelines developed by the United States Department of Housing and Urban Development at

Conditional Acceptance programs are offered by communities listed on this site. These communities understand that increasing numbers of Americans are now faced with daily challenges to paying their bills on time. Featured communities also know that most people want to pay their bills on time, but may have gotten behind when what was owed was more than what was in the bank or in their paycheck. That’s why–even if your credit has been hurt, many communities will work with you to get an apartment rental, provided you demonstrate that you intend to pay your rent on time!

The Mission of the website is to make it easier and more affordable for consumers whose credit has been hurt to rent an apartment at a community where they want to live.The prerequisite is that you could be eligible for  Reduced Deposits and Upfront Move-in Costs if (1)You are employed (2) You can set up direct payroll deposit for monthly rent (3) You are willing to make rent a top priority. The website also provides some credit-related articles that can help you deal with your credit problems.