Job and Apartment

[Henley1989 10]

Hi there,

Just doing some preliminary research.

When my EAD comes, I will hopefully get a job most likely in NYC. If we want to rent an apartment in north NJ, how does one qualify for these apartments without history of employment, good credit??

Most apartment websites require a credit check and employment history. How am I supposed to rent without any of these?

Do they let me off and just charge me a higher deposit? How do I convince them that I want to rent before I actually start working? I cant commute from where I currently am so Im just planning ahead

Thanks

[Merrytooth 5,748]

some tips here:

http://www.rent.com/blog/how-to-land-apartment-no-credit-history/

[kris&me 572]

you would depend on the credit history of your spouse when you are new to the country

Applying for the K 1 visa your future spouse had to provide income verification / after marriage in most states u r now connected to spouse credit history and also responsible for all debts

[Ash.1101 1,755]

you would depend on the credit history of your spouse when you are new to the country

Applying for the K 1 visa your future spouse had to provide income verification / after marriage in most states u r now connected to spouse credit history and also responsible for all debts

Applying for K1 doesn't mean that the future spouse has a job. Myself and plenty of other K1er's are unemployed, we simply had to have a cosponsor. The "income verification" I sent them had a whole bunch of 0's down the line.

Your debts are only tied together if your name is also on the account as an account holder or joint account holder. Simply by marrying someone, you don't take their credit, unless you put your name on some form of credit with them. While it may be hard for most, if your spouse has bad credit you try to avoid all situations to where you would have to take out a loan with them or any other form of having your name on the same credit line.

Also, when you marry someone, you don't become responsible for their past debts. Almost all states make it so you're only responsible for debts accrued during marriage JOINTLY, but you are certainly not responsible for debts a person may have had for 10 years AS LONG as you don't put your name on the account/line of credit.

I had about 8 credit lines while married to my exhusband, his name was only on one of them along with mine, they were all gained DURING marriage, but ONLY in my name, again, except one. That one card is the only card that shows on his credit score. His credit score is in the high range, while mine is in the bottom bad section. If he had put his names on ALL of the same cards as me, he would have the same credit score, but since he only put it on one, only that one affected the score.

People make the joke that when you marry someone, you marry their debts, but in that case it's more so meant that you will be paying on their debts as well simply because you're married and usually it's joint funds, but unless you provide your name and social to the creditors, you do not owe those debts.

With that said, what you do is you try to take out a smaller credit card at like a furniture store. Save up some money to make you look more "likeable" and then apply, if needed, you have money down to help with the purchase. Chances of you getting a line of credit at a furniture store are pretty good, as they like to give people lines and then get them with high interest rates, but purchase something small and pay it off to build your credit.

When my fiance is here, we plan on getting him a credit line through Room's to Go or a local furniture store and purchasing a sofa, in his name only, to build credit. We'll have a few thousand in the bank to pay for the sofa flat out, but luckily that will make it more than likely they will issue a credit line to him. One of the biggest tips in retail is that when someone gets a line of credit they are more likely to spend more than they planned, and spend more often, than if they didn't!

The second thing you can do is get a secured credit card through your bank.

As for the apartment, some places simply will be okay with proof of current employment. My current apartment never asked for work history but wanted to make sure that there was a CURRENT income, and while it says it checks credit, they never actually ran mine.

It's possible that if you have a lot of savings, you can show them your bank account, but if you have no savings or a job, chances of them renting to you is low.

Edited December 1, 2015 by Ash.1101

[Dakine10 5,452]

Hi there,

Just doing some preliminary research.

When my EAD comes, I will hopefully get a job most likely in NYC. If we want to rent an apartment in north NJ, how does one qualify for these apartments without history of employment, good credit??

Most apartment websites require a credit check and employment history. How am I supposed to rent without any of these?

Do they let me off and just charge me a higher deposit? How do I convince them that I want to rent before I actually start working? I cant commute from where I currently am so Im just planning ahead

Thanks

Paying a higher security deposit is one of the ways they can do it. Sometimes they want an additional month(s) rent to hold or they may charge a higher monthly rental. Usually it's just a matter of paying more in one way or another to offset the risk they perceive.

Different apartments have different criteria, and to a certain extent depends on the market and how badly they need to rent the apartment. If your spouse has a good credit history and income, that will mostly make up for it.

[Henley1989 10]

Thanks everyone. I guess we have to wait and see what happens.

[mallafri76 1,012]

All the apartments we've been looking at, which is in Texas and Florida, they required 3 to 6 months rent in advance and 3 to 6 months security deposit if no job and/or good credit history. It all depends on the apartment complex, so just look around until you find something that works for you.