How to rent with a discharged bankruptcy

A bankruptcy discharge erases your past debts and presents the opportunity to start over. Still, some creditors and landlords are leery to work with people who have a bankruptcy on their record, which can make renting or buying a home difficult. If looking to rent a property, there are ways to make a good impression and get the property. Consider methods to improve your chances of finding a rental after a discharge.

Maintain stable income and employment history. Expect your landlord to check with your employer for a reference. Don't bounce from job-to-job. Stay with the same employer for at least six months, and be prepared to show income statements or tax returns.

Disclose your personal information. Briefly mention your recent discharge to see if it'll affect your ability to qualify for the property. Be honest and upfront to gain the landlord's trust.

Impress the landlord. Consider business casual attire when meeting with potential landlords. Speak professionally, no slang. Offer a handshake. Maintain good eye contact.

Negotiate the security deposit and rent. Persuade a landlord by offering to pay a higher security deposit or higher monthly rent to compensate for your bad credit history.

Present your rental history. Prior to meeting with potential landlords, contact your previous landlords and ask them to write a professional reference in your behalf. Ask for references only if you've always paid your rent on time.

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Things Needed

  • Security deposit
  • References

About the Author

Valencia Higuera is a freelance writer from Chesapeake, Virginia. She has contributed content to print publications and online publications such as Sidestep.com, AOL Travel, Work.com and ABC Loan Guide. Higuera primarily works as a personal finance, travel and medical writer. She holds a Bachelor of Arts degree in English/journalism from Old Dominion University.

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