Low Credit Score


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We find you apartments that accept a low credit score!


We have a large selection of Second Chance Apartments in the Dallas, Ft Worth and Houston areas that will work with individuals that have a low credit score.

What is a Low Credit Score?

A credit score is often used by apartment communities to determine if you are a good candidate to extend occupancy. A credit score can be anywhere from 850 highest to 300 lowest. Some apartments can also go by debt to income ratio or a point system that depends on your credit report, income, the length of time at your current employer and verifiable rental history.

Some examples of low credit include:

  • School loans
  • Medical bills
  • Past due loans
  • Debt to income ratio
  • No credit use

Under certain circumstances, apartment communities work with low credit scores.  Apartments can range from charging a higher deposit, requiring a cosigner or declining an application. Please note it is usually up to the apartment management.

How to raise your credit score

If your credit history is not as high as you would like it to be, you are not alone. Improving your it can take time, but the sooner you address the issues that might be dragging it down, the faster your credit score will go up. You can increase your score by taking several steps:

  • Pay your bills on time
  • Pay off debt and keep balances low
  • Apply for new credit cards, only as needed
  • Do not close unused credit cards
  • Do not apply for too much new credit, resulting multiple inquiries
  • Dispute inaccuracies on your credit report

You can start by checking your credit scores online. Federal law allows you to get a free copy of your credit report every 12 months. When you get your scores, you will also get information about which factors are affecting your scores the most. These risk factors will help you understand the changes you can make to start improving your scores. You will need to allow some time for any changes you make to be reported by your creditors and subsequently reflected in your credit scores.