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Mentalcomposer t1_iysgdkz wrote

You have an income that would afford you a pretty good life. Air bnb’s are gonna cut into that I would think pretty quickly.

Instead of trying to get an apt that would have a credit check, maybe try to find a roommate situation.

After that, you need to build more credit. CC might not be viable but a monthly subscription to a magazine would help. ( I did that when I first started out)

And don’t stop with the credit companies. Fight until you get an answer from them of what documentation you need to accept the name change. And then get it to them. Maybe check with a lawyer if what they are doing is even legal, and send your docs with a letter from the lawyer.

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[deleted] OP t1_iysq8bt wrote

>You have an income that would afford you a pretty good life. Air bnb’s are gonna cut into that I would think pretty quickly.

Airbnbs haven't been that bad so far in cost terms but the lifestyle hit is pretty not preferable

>Instead of trying to get an apt that would have a credit check, maybe try to find a roommate situation.

Does that not still take credit checks? The places I've applied to do exactly this always seem to

>After that, you need to build more credit. CC might not be viable but a monthly subscription to a magazine would help. ( I did that when I first started out)

The main problem, as far as I can tell, is just the credit companies not accepting my name change, which cuts me off from my current lines of credit, which are pretty good (my score with the one that did accept my name change is over 700!)

>And don’t stop with the credit companies. Fight until you get an answer from them of what documentation you need to accept the name change. And then get it to them. Maybe check with a lawyer if what they are doing is even legal, and send your docs with a letter from the lawyer.

I'll give that a spin, thanks!

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TheSkyIsFalling09 t1_iysjrjp wrote

There are people with far less income living just fine in Brooklyn, Queens, and the Bronx

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[deleted] OP t1_iyspwe1 wrote

It's not a problem of income, it's a problem of I've never done this before and don't even know where to start, but it seems like people with better credit are scooping up the places I want

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Nikolllllll t1_iysnugw wrote

So you have a 6 figure job but can't get a plca to live due to your credit 🤨

Bs

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[deleted] OP t1_iyspsdv wrote

I want to be absolutely clear that it's more having no idea what I'm doing than anything because I've never had the ability to do so before

But I've applied for places and not gotten them due to what I can only assume is lower credit than other people applying for them

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Nikolllllll t1_iysrlju wrote

Then you are doing something wrong and it's time to get an agent or friend to help you out. There is really no reason why you shouldn't be able to get a place if you have the money for it.

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Mentalcomposer t1_iyssq0p wrote

One more thought, if you have friends that will vouch for you, maybe you can ask them to co sign on a lease?

That might solve the credit issue. Then when the lease comes due and you fix the credit issue you can ask the landlord if they will do another credit check to see if you’d be good on your own.

Sorry just throwing ideas out there.

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