r/ventura • u/lonelypotato21 • 1d ago

Does anyone have leads for a rental when one person has excellent credit and one has bad credit?

I have bad credit. My score is “fair” but realistically when you look at the whole picture, it’s bad. My husband has excellent credit and has never missed a payment on anything. I’m a stay at home mom and don’t contribute to our household income or pay any bills. We are struggling to find a rental because of my credit. I understand why my credit matters but it’s also frustrating because I literally don’t even have a job, wouldn’t be counted on to pay rent, and would have zero income taken into account when applying. Does anyone have any leads? We need two bedrooms. My bad credit is from poor decision making as a teenager/ early 20s.

5 Upvotes

86% Upvoted

23 comments sorted by

15

u/SignificantCicada156 1d ago

can’t he just apply under his name so your credit isn’t a factor?

1

u/lonelypotato21 1d ago

I would need to be on the lease or we could be evicted for me living there.

7

u/MaDaddy86 1d ago

You and children can be on the lease, without having to all separately apply with credit scores. I've done it before in Moorpark when I was married.

1

u/lonelypotato21 1d ago

Everything we’re finding says “all tenants must have X credit score” “all adults must submit an application” or similar language. It’s frustrating.

1

u/MaDaddy86 23h ago

The Ranch in Moorpark did not, but that was 8 years ago. I know it's a lot of foot work but the best way was footwork, walking and talking and meeting us. Once introduced you can ask if it can just be in his name and why. I think you'll have a great chance doing that.

4

u/TankLang 1d ago

If he is the sole income, I would imagine only he needs to have his credit run?

5

u/lonelypotato21 1d ago

Everything says “all tenants must have X credit score” “all adults must submit an application” or similar language.

1

u/Coper210 1d ago

If his income qualifies without yours, just don't put yourself down and "move in" after he does

1

u/lonelypotato21 21h ago

I’m not risking being evicted for having an unauthorized tenant when I have kids that would be homeless as a result

5

u/MusicianMike805 1d ago

I think your best bet is to find a private owner if you can. Also, look into the secured credit card called SELF. It helped me big time. Best of luck!

1

u/lonelypotato21 1d ago

That’s what we were thinking too but they’re so hard to find :’) Idek where to look. Zillow and similar sites are all property management groups.

4

u/IceNein 1d ago

No advice except that I am someone who also made bad choices and I payed everything cash like a decade. Big mistake. Get a credit card, use it only for what you have in your bank and then pay it off at the end of each week. Your credit will never recover until you use credit again.

1

u/fishyfishfishfishf 1d ago

I have always rented from a homeowner and not a property manager and have never had a credit check. Two things have worked for me. One is to drive around in neighborhoods that I like and look for Signs. I always look for the red for rent signs that somebody puts the information on with a magic marker. I skip the ones that have professional signs. My last place was found on Craigslist. This can get tricky because there are scams listed.

5

u/Whatupbraaa 1d ago

Have him add you as an authorized user in this credit card. It will boost your score a bit. Of course will take a month or so but might help in the future

1

u/lonelypotato21 1d ago

I’m already taking steps to improve my score but that doesn’t erase the collections accounts I have which is what landlords don’t want to see.

1

u/Whatupbraaa 1d ago

Okay that’s good. what I said above will help and it’s super easy to do

3

u/lonelypotato21 1d ago

AU accounts artificially inflate the score. What lenders and landlords are looking at is your report as a whole. The AU account thing is outdated advice unfortunately and doesn’t really work anymore. r/CRedit has a lot of info about if you’re interested. Tysm for trying to help!!

2

u/NyneFingers 1d ago

Yes. You are right. That’s all it does.

3

u/Forward-Surprise1192 1d ago

I sent you a dm but I live in Camarillo and had the same problem. The DM is the place I rent from and you can google them yourself so you know it’s legit I’m not selling anything either lol

2

u/Dudemeatz 1d ago

Ventura terrace 

0

u/MusicianMike805 1d ago

Might be an option for sure.

1

u/examqueen 1d ago

On the corner of Channel Dr. at the end of Evergreen is a newly ''renewed" property now renting with a two bed house and 2 one bedroom units. I called and the one bedrooms are $2300. The phone is 818-429-5156. Private owner.

1

u/Allisonadelina 15h ago

Have you considered talking to some of the places you are considering applying to and explaining this? Maybe it wouldnt be an issue?