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My credit went from 512 to 597 in 3 months, but the housing part is what got me
I hired a local credit repair guy in Fresno back in January and he got 4 bad marks off my report, which felt huge until I started looking at apartments and realized most places still wanted 620. The wild part was a landlord actually said "I can work with 597 if you pay 3 months up front," so I'm quoting that number to everyone now. Anybody else find that private landlords care less about the score and more about the deposit?
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fisher.thomas1d ago
Ha, I felt this one in my bones. My score was so bad at one point that a landlord asked if I was paying rent in pennies or favors. The 3 months up front trick is real though, private landlords mostly want to know you won't vanish in the night, the score is just a number to them. Big complexes run everything through a computer and it spits you out before a human ever sees your face. Smaller guys will look at your deposit and your pay stubs and call it good.
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