Rant: my landlord in Reno says a 620 score means I need a co-signer, my cousin says wait 6 months

Grant Lewis · 2026-11-01T07:20:03.501596+00:00

Talked to my cousin Denise last week about co-signing for an apartment near Reno. She works at a bank and said paying down my $1,400 Capital One balance to under 30% would bump my score faster than just waiting it out. But my landlord keeps saying anything under 650 needs a co-signer no matter what. Has anyone actually seen a score jump from just paying down one card, or is Denise overselling it?

Vivisector

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Rant: my landlord in Reno says a 620 score means I need a co-signer, my cousin says wait 6 months | Credit Repair Housing - Vivisector