Finding a new place to live can be a hassle as you have to call up landlords, investigate the area, tour your new potential living space, and to top it all off, find a way to move all your belongings. Another headache that many first time renters are not aware of is that a lot of apartments and rental properties require a credit check for their new potential tenant.
Property managers and landlords will often require such a credit check from renters before they can move in. This is because they want to make sure the renter is financially responsible and able to pay rent on time. Not only that, you may also find the same thing required by utility companies.
But what if you do not have established credit? You pay everything on time, you have bought your used car with cash, and avoid credit to avoid any hassle with debt. Unfortunately, creditors, lenders, and landlords all need a way to check your financial history to make sure you are responsible. Paying in cash to avoid debt is a great way to, well, avoid debt but a bad way to build a credit score–that’s just an unavoidable fact of life.
Of course, there are ways around this headache of checking a credit history if you have none, and that usually means paying more than you need to. A lot of times utility companies and property managers would forgo a credit check if you can put more down on the deposit. The landlord may ask for double the usual amount of the deposit. The utility company may also require a deposit in order to start providing electricity or gas in your new home.
But the easy way to avoid these financial headaches is by just having a credit history. That’s why it’s important to start establishing a form of credit history as soon as possible for any future financial endeavors.
There are multiple ways to start establishing a credit history. The most common and easiest way is to grab a credit card or, if you don’t qualify for that, a secured credit card. A credit card, even if you don’t need it or don’t use it, is an optimal and easy way to start building your credit.
A credit will not suck you into the abyss of debt if you use it properly. For example, getting a credit card with a $1,000 limit would allow you to buy a monthly soda or subscription service. Cheap and easy things that can be paid off with little effort are prime ways to build good credit.
If you have a poor credit history we at Fix Your Credit Consulting can help you get started improving your credit score. Call us at (877) 212-2450 for a free consultation. We are an established credit repair and consulting company that can aid you in building better credit.
If you have any questions, feel free to give us a call at 877-212-2450!
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We also invite you to click on the following link to see our reviews on yelp.
The true sign of a business is one that could take your money, but instead tells you the truth that they can't help. I spoke with Sandra on behalf of a friend that had some credit issues and she determined that based on his report, she couldn't help him at this time. This company is wonderful and I would recommend to all friends and family having credit issues.
Thanks again Sandra for your honesty.
I've known Sandra for at least 10 years. She is a phenomenal person to work with and a super hard worker that cares about people. Do not hesitate to work with her and her amazing team. Jeff is wonderful as well!!
Thank you, team Fix Your Credit Consulting you are amazing*****
Sandra is the best she is patient kind knowledgeable and undertaking and provides a judgement free zone no matter how many times you find yourself calling her because life kicked your butt again .
Jeff is also great and super helpful and always is super on top of everything he does and every phone call . I owe them for helping get my life back
When thinking about what I was grateful for over the past year one interesting thing came up as a standout.
Perhaps credit services are not the typical thing to be thankful for at this time of year, and perhaps not for all standard reasons you might expect to hear in a gratitude tribute, but it goes like this...
Sandra is not just experienced and knowledgeable, but also calming in her manner. She was not judgmental and through mutual sharing made me realize things can happen to anyone and not to feel ashamed for inquiring about the subject of credit and all of the 'fun' things that can go along with it etc.
One of the most important things I am grateful for is how she was able to lower my stress level by not only being kind, but also by being respectful and truly understanding.
I am so glad I reached out to get a fresh perspective and get my queries answered on the way to fixing any related issues that need fixing.
Thank you so much again.
