Renting after discharge

[CADebtFree]

Hi all,

Me:
California resident
Currently renting an apartment. Have positive rental history since 2006.
My Chapter 7 is done. Discharged CC debt and a medical bill.
Still have my car, kept the auto loan excluded from the BK.
Credit score was 690 before BK, score is now 606.

I rent with a roommate, roomie's score is 720.

If we move and try to get a new place to rent, will we face major challenges?

thanks in advance.

[cupcake]

If we move and try to get a new place to rent, will we face major challenges?

It's certainly possible.

Prior to filing/discharge, I owned a home with my now ex-husband. I moved out of the home (because of the divorce), rented an apartment and stayed there for a year. When I rented that apartment, I was current on all of my bills, had not filed BK and had a credit score in the high 700s. When my apartment lease was up, I decided to move and find a different apartment and, by that time, I had filed BK and was waiting for my discharge. Apartment hunting after the BK was much more difficult and the only way I got my current apartment was by having a cosigner! Even though my credit score stayed in the mid 600s, had the same full-time job for over seven years and was over the apartment complex's income requirement, I couldn't get the apartment on my own.

I've read that renting a private home or an apartment from a smaller complex is sometimes easier. And, I should point out that the apartment I rented is probably considered to be somewhat upscale for my area. So, the fact that I rented a very nice, new apartment in a condo setting may have played a part in my difficulties.

Will your roommate also be signing the lease? If so, that may be your saving grace.

[CADebtFree]

yes, my roommate would be signing with me to live with me. We are currently in an upscale area and paying a high rent considering the same units in the complex over the last year decreased by $200 per month, so we are paying more then what new tenants will get it for.

thanks for your input.