Housing in the US

[Cappedoff 0]

hi everyone,

A question ... I've been looking online for info about housing in the US. I'm a USC who has been out of the US for now over 10 years. I know to rent an apt or house we need credit. But both my husband and I have no credit. Nor do we have anyone to cosign for us. Nor do we even want to ask anyone. So who does someone rent a place in the US with no credit ? Any clue? Thanks!

[canadian_wife 1,785]

Do you have no credit or old credit? Have you never worked in the US?

If you have an income you can often show pay-stubs when renting. Or find a place that will go month to month until you get on your feet.

good luck

[Cappedoff 0]

I have no credit. The last time I was in the US I was a university student. And I didn't work or rent. I just attended school. So really I have ZERO to go on. I had I think a credit card over 12 years. But doesn't your record zero out after 7 years? And we're not in the US yet so no job even. We're still at the visa stage ... but a requirement is to be establish domicle in the US again. So I was thinking of housing ...

[canadian_wife 1,785]

I don't think your credit goes to 0 every 7 years. Could you imagine? You'd have heaps of people with 0 credit scores if they decide to do their Masters degree. I think bad credit gets expunged after 7 years. I think you can check your credit score for free, do that - what does it say?

I've rented rooms and apartments from people who did not require a credit check, have you looked on Craigslist? Have you been looking for work? If no, why not?

good lck

[Moustafa/Crystal 65]

I think you could find some place to rent no matter how lacking your credit is. You could put down double deposit. You could pay your rent six months in advance...there are lots of options. I assume you have at least $60,000 in the bank since it sounds like you are going to sponsor your husband.

Work with a relator...they will be the best help.

[VOL 425]

You don't need credit to rent a house.......

[Cappedoff 0]

Ok great to read. Thanks everyone!