A friend of mine makes $72,000 a year and can’t get an apartment.

[Shadow King]

There's why I can't live in some areas

When I got out of college I was making like 30k (maybe a little less) and had no trouble finding an apartment. And my credit was average.

What year and what area was this?

 

[jerzboy]

You need a family member/trusted person to be willing to do that.

She works in Englewood. Highly unlikely she wants to deal a commute to/from Middlesex or Somerset County.

She needs to touch base with reality then. Especially if she has kids. People commute to nyc from there. Englewood is light work

 

[Pazzy]

Your credit score counts against you when trying to get an apartment, but paying your rent on time doesn't improve your credit score. But if you don't pay your rent it hurts your credit score.

shyt is a scam but once again, this was YEARS in the making. The laws and regulations didnt change overnight.

 

[Laidbackman]

I know it's tough getting an apartment on your own, especially if you're young. But this has always been normal for Black people when you think back.

 

[acri1]

What year and what area was this?

Michigan and around 2010 (so yeah, a while ago).

Still, cost of living was and is relatively cheap here. It was a small 1br but my rent was only $500 even my last place I just moved out of, rent was only $700.

 

[Detroit Wave]

He in Ghana. With is two other wives.

@BenchPressPapi

 

[Rekkapryde]

Happened to a friend of mine in NYC, because of his credit places were asking for 6 months rent in advance for 1 year lease

Financial responsibility needs to be taught in school.

I know I'd tell both of my sons to hold their own nuts in the same situation. And that's because we actively teach them financial responsibility. Ever since little kids, we make em put bread aside from everything they get into a savings account. You get a ten dollar gift card for christmas? need a dollar to put in savings. Even added my oldest who just turned 16 as an additional card user on my Amex account and using his card to build his credit early. No excuses for you to be all fukked up as an adult after we set you up and put you on game. If you gotta come back to live with me and your moms due to you being a dumbass with your credit, I'm runnin your fukkin pockets for rent.


Dead ass serious (Already told em).



Shorty better build her credit up and pay her shyt on time. Or get a man. I know I wouldn't cosign shyt in this situation to help.

 

[Shadow King]

She needs to touch base with reality then. Especially if she has kids. People commute to nyc from there. Englewood is light work

Those people likely aren't single mothers of 2 either. An hour commute isn't light work.

But she does need to touch base with reality and stay with her aunt. Her way out is earn a raise/higher earning job, and/or partner with a man.

 

[Moose_Greyjoy]

This is why credit is everything. A lesson I had to learn while in my 30’s

 

[Mowgli]

Better put more up front. Money talks

 

[jerzboy]

@Ethnic Vagina Finder her being black, tell her to look into places like Franklin, Bound Brook, Watchung, Edison, Piscataway, Metuchen, Highland Park, Roselle Park, South Plainfield, Sayreville, South Brunswick, Woodbridge, North Brunswick, Cranford, Union, Garwood, Linden, Hillside. These are just a few, and they have a great black and latin population.

The places in Union County would be the easiest commute to Englewood though. She can't afford Bergen or Essex county, and she needs to be honest. With that Credit Score and Salary, unless she wants to be in an area with bad schools.. Up to her though

 

[TELL ME YA CHEESIN FAM?]

Y'all stay falling for these clickbait titles

 

[jerzboy]

Those people likely aren't single mothers of 2 either. An hour commute isn't light work.

But she does need to touch base with reality and stay with her aunt. Her way out is earn a raise/higher earning job, and/or partner with a man.

agree about the single mother aspect. But family is still close enough, and a lot of these places in central/northern NJ have a great community. Secrets been out though and more and more nyers have been moving here.

 

[P90]

If the landlord is asking for 1st, last, security deposit, and 3 months rent, I think that is fair. Now only giving a 1 year lease sound like straight scumbaggery, but it should be expected, and what I would personally offer to the better places, along with an explanation of why my credit is bad.

Reasonable approach for sure.

That’s illegal now in NYC.

there's ways around this and I speak as a person who navigated the NYC housing market with bad credit in the past

Good to know both.

 

[DrunkenNovice]

When the tide goes out