Bad Credit MD Explains How People Can Rent A Apartment With Bad Credit

May 6, 2013 - PRLog -- Having bad credit can make it challenging for individuals or families to rent a apartment because property management companies and landlords use credit scores along with a number of other factors to determine whether to lease the consumer a apartment along with the amount they will need to have for a security deposit.

Before agreeing to lease a home, a landlord may review the consumers credit report, so it is important for the future renter to get a copy before they start their apartment search.

Information about the individual and their credit experiences, such as bill-paying history, the number and type of accounts a consumer may have, whether the consumer pays their bills by the date they are due, collection actions, outstanding debt, and the age of their accounts, is listed on a person's credit report.

Fortunately, a free consumer organization called "Bad Credit MD" has provided some useful tips and advice for bad credit apartment hunters which can be viewed at http://www.badcreditmd.com/mortgages/can-you-rent-apartments-with-bad-credit/.

The best way for a apartment hunter to win over a prospective property manager or landlord is to be prepared by bringing a completed rental application; written references from employers, previous landlords, colleagues, and  friends; along with a current copy of their credit report.

About Apartment Leases

A apartment lease is an agreement that outlines the obligations of the owner and the tenants of a house or apartment. It is a legally binding document that courts will generally uphold in legal proceedings, so it is important for the renter to know the exact terms of the lease agreement before they sign it.

Some things the renter should look for in a lease:

• Clauses that allow the landlord to change the terms of the lease after it is signed

• Requirements/responsibilities of the tenants to do routine repairs such as lawn maintenance, cleaning or notification of repairs

• Restrictions that would prevent the renter from living normally or comfortably in the home

• Term of the lease and any important dates such as when the rent is due, or garbage pick up days

• Extra fees for parking spaces or storage, garbage collection, and pets
Information regarding utility providers, how to arrange for service and whether you or the landlord is responsible for those bills.

Consumers need to read the lease carefully and discuss anything they don't understand or issues they might have. All landlord responsibilities should be clearly stated. A renter should always get a copy of the signed lease to keep in their records. Any clause or terms in the agreement affects ALL parties who sign.

Consumer Rights

Tenants who lease or rent property are protected against discrimination by The Fair Housing Act. If they think their rights have been violated, they may write a letter or telephone the HUD office nearest them. Consumers have one year after the alleged violation to file a complaint with HUD, but the consumer should file as soon as possible.

Each state has its own tenant rights, laws and protections. Contact HUD for a state-by-state directory. Consumers can also find public housing that is available from the Department of Housing and Urban Development. The agency offers several housing assistance programs for tenants and landlords as well as information of displaced residents.

About Bad Credit MD

Bad Credit MD, is a free On-line consumer information guide that helps people with credit problems in Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

Bad Credit MD has been in business helping consumers with bad credit since April of 2007 and is a subsidiary of Enticing Designs Publishing. The staff has various backgrounds in the financial and mortgage industry. This self-help site has over 500 pages of credit advice and articles. Its staff has researched its information with various governments around the world to provide the most comprehensive and accurate information free of charge.