By Leron Craig


When you are starting life all over again from the scratch, you may not be able to afford to buy a home immediately until you have sufficient savings and are able to prove your credit worthiness with the bank. For a few years you might have to rent or lease an apartment or a home in the meantime.

You can choose between renting an apartment or home from a property management company or from a landlord who owns the place. Depending upon the case the terms of offer and other conditions will differ from both these sources.

If you approach a property management company, they are likely to check your credentials including your credit worthiness. Your background and past records may not work in your favor in such cases.

You can do a bit of research on all available firms and shortlist those that are known to be taking in clients with poor financial past records too. You will find it easier to approach them for renting the apartment.

Approaching a landlord directly might work easier for you. If you are able to convince the landlord on one to one, chances are that he will agree to rent out the apartment for you. But when you go to meet him, ensure you are not dressed looking like depressed and bankrupt .It can be very damaging to your negotiations.

Have a pleasant appearance when you go to meet the landlord and be neatly dressed with neat hair cut. It helps if you explain to the landlord and show him that you have learnt lessons from your mistakes and are now honestly working towards building your future.

Second time round, you should be honest to yourself and make up your mind to work hard to build a new future for yourself and improve your credit worthiness. If you are so determined, then be honest with the landlord and convince him of your intentions. If you are not serious enough then it is better you do not move forward on renting out. It is not worth it.

Do not waste your time and of the others unless you truly intent to move out of your past life and live more responsibly in future and work towards a financially secure future. Until you are ready and committed, any effort is of no use.




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