Hello to everyone. I am new here,
I need to find an apartment ASAP. My partner passed away leaving the house in his Will to me. But, when all was said and done, I am losing the house. I file an application with a lovely housing complex, lovely unit and got tirned away because of my credit score of 620 and my finances were not enough. I really would like to know how I can get an apartment quickly in a safe and nice area of Ulster County, NY. I was my partner's caregiver for over nine years until his money ran out. Being so stressed and full of anxiety, I made a wrong decision. I ruined my credit by asking my creditors to forgive my account. I read where that is possible. Now my credit score has dropped from 725 to 620. I don't know what to do. And I need to move from this house. Any suggestions?
P.S. I have no family and no children. I am all alone.
Do you hear yourself? If you're being paid too much to get food stamps, then you have income and can work with it. No, you may not be able to get a lovely rent in a great part of town for cheap. Join the club.
At your age you would qualify for senior (age 65 and over) housing. The rent amount is based on an income sliding scale. The tenant's income determines how much rent they pay. Usually these places are pretty nice and the utilities are included in the rent. They also don't hold having bad credit against a senior trying to get in. Your state's Department of Social Services can help you apply for apartments in such a senior community.
You will be paying a higher rent after you sell the house if you get into a senior complex that bases rent on an income sliding scale until your income goes down.
As for your credit being ruined. Why would you think your credit card debt should be forgiven? No one else in the world gets theirs forgiven, but you thought yours would be? Pay off what you owe from the sale of the house. It will be the best thing you could do because your credit will be restored.
Social Services may be able to help you find low income housing. At this point you will need to take what you can get. Depending on your income, you maybe able to get Medicaid for health insurance.
Remember, any debts in your partners name are not yours. Do not pay them.
If you have poor credit, you're more likely to be able to rent an apartment or room from a small landlord, and not a large complex.
As the larger complexes have stringent rules about income amounts.
If it was me, I'd do everything I could to keep the house. If not, then I'd sell it and would rent a room from someone in a nice area. Get settled, and then work diligently on improving my credit, making sure I had a steady income and would then work towards obtaining my own apartment in the future.