Want to divorce, horrible credit due to mortgage default, will I get rejected for an apartment?

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I want to leave my husband and file for divorce. Because of his new found gambling/drinking addiction, we have defaulted on our mortgage (we’re 4-5 months behind in payments). I’m still trying to do a loan re-modification in hopes of getting everything back to normal for now, but as of now, my credit score is crappy because of the mortgage payments being so late. That’s the ONLY thing on my credit (good or bad).

Since I only make about $ 15,000 *take home* per year of “my” money, I will get another job so I can make at least $ 25,000/year by myself.

Will it be a problem getting an apartment on my own with my bad credit score? If so, what can I do to get an apartment? I dont want to live in a dump of a place either. I want something nice (and will work my butt off to get it!!) Just tell me how to achieve that goal. 🙂

6 Comments
  1. Reply
    golferwhoworks
    April 29, 2011 at 10:26 pm

    put some applications to see.

  2. Reply
    MoneyMonkey
    April 29, 2011 at 10:42 pm

    You may have a lot of trouble getting approved for an apartment. You might have more luck with a small house or duplex owned by an individual. Or, look for someone needing a woman roommate and that will give you some time to save up and establish some positive credit, as well as settle your personal and mortgage issues. Good Luck.

  3. Reply
    Snickas
    April 29, 2011 at 11:09 pm

    The majority of complexes are only concerned with evictions and your background. I don’t really think you’ll have a problem. To make it easier for yourself, you could also go to an apartment locator.

  4. Reply
    Bruce Qualters
    April 29, 2011 at 11:51 pm

    It may be a little tougher definitely expect the potential of an increased security deposit or having to put up 2 mos worth of rent.

    That being said in your favor your situation is very common place right now and you have a strong explanation.

    You will probably find an easier time by renting from a private owner rather than a management company.

  5. Reply
    Ryan M
    April 29, 2011 at 11:58 pm

    With bad credit and making so little money on top of that (yes $ 25,000 per year is considered little), you are dreaming about living in a nice place. Even making $ 25,000…you can only afford to live in a place that rents out at $ 700 per month. I do not know of ANY nice places that rent out that low. You need to start looking for a co-signer to sign the lease with you. That is the only way that any landlord will look past your credit.

  6. Reply
    Megan
    April 30, 2011 at 12:50 am

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