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In today's New York apartment leasing market, most apartments conduct credit and criminal background checks on all applicants. While in the past this was not a problem, it is becoming one now because many families and individuals can find themselves facing a denial if they have blemishes on their credit. Other issues which can become endemic are broken leases, bankruptcies and felonies. New York City apartment applicants can expect to have their credit run not to mention a check with the rental history databases, court records and also criminal record databases. Applicants with felonies can also find it difficult to be approved for an apartment in New York City.
Credit checks, rental history checks, felony and judgments
Apartments in New York conduct credit checks, background checks in search of felony convictions and also peruse through court records looking for bankruptcies. They also check rental history records in search of broken leases. All these blemishes can cause an apartment to take what is called adverse action and this can include denial of approval. So how can one rent an apartment with a broken lease,bad credit, bankruptcy or a felony in New York City?
One of the best ways to begin to fight this fight is to pull a copy of your credit report. Apartments usually check one or all three of the major credit bureaus and it therefore makes sense to be in the know way before they pull up this information. It is also essential to be aware of whether you have a broken lease at an apartment complex because this is one of the foremost reasons why approval is denied.
Many people with bad credit, broken leases, bankruptcies or felonies end up being denied an apartment because they do not know which apartments to apply to. While it is a normal routine for apartments in New York City to conduct credit, rental and background checks, there are apartments that are lenient and which will still extend an approval in some cases even to applicants whose credit, background and rental history is blemished. But these apartments do not usually advertise and it then becomes difficult to know which ones they are.
In order to be approved for an apartment in New York City with bad credit, a broken lease, bankruptcy, a felony or misdemeanor, you have to do two things; first you have to know which apartments approve applicants with these issues and second, you need to know exactly how to go about presenting your case. Not mastering these two points is what causes the majority of denials.
You can check out this e-book on.How to be approved for an apartment even with a broken lease, bad credit or criminal record