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Explain Your Situation- Be extremely honest with your landlord or property manager about your credit history. Explain why your credit score may be low, whether you're dealing with medical bills, divorce, or other financial situations, and your landlord may be more lenient.
Can someone live with you without being on the lease? Yes, someone can live with the tenant without being on the lease. However, it is important to distinguish the difference between a guest and a long-term guest.
Letters of explanation addressing these issues should include: An explanation of the negative event. The date it happened. The name of the creditor. Your account number. Your signature and date (if typed or hand-written)
Explain why your credit score may be low, whether you're dealing with medical bills, divorce, or other financial situations, and your landlord may be more lenient. Show Proof of Payments- If your credit score is low, but you've always paid rent on time, show your potential landlord proof of your on-time rent payments.
The North Carolina Office of Administrative Hearings and the Fair Housing Act prohibit landlords from discriminating against potential tenants because of their race, religion, familial status, sex, gender, etc.