Dec 02
credit cards compare
My sister was evicted from her apartment last year and has been living at home since. She was 30 days late on rent because she had lost her job and was in the middle of a messy divorce. She has always been good with her finances in the past; however, her financial troubles hit at the same time and put her in a bind.
My question is: She is looking to get an apartment with me since my lease is up, our parents are moving out of state, and we have no other family or friends that have room to take her in. I have no prior evictions so would a landlord look at the application and be willing to rent to us if one of us has eviction history and the other does not? Her credit history is only messy around the time of her eviction, meaning she has a charge off on one credit card for $400, which she paid in full and another charge off for her car, which they repossessed (yes I know its a lot, but I’m not writing to have people judge her, so please only answer the questions) She has been up to date and paying in advance all of her bills for the last six months, since she got a new job. We compared credit reports so I know exactly what is on hers. My credit is excellent. Please only serious answers. We are looking to rent in a complex and are trying to avoid renting a single family home. However, if that is our best option, we will take it. Thank you in advance!
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Apr 22
credit cards compare
Unfortunately I had a few delinquent credit cards… and they were either maxed-out or delinquent for a few years….Recently, I settled with the companies and paid off all of the credit cards – the debt was about $3000 total. (which I know is nothing compared to some credit card debt).

I am still a full-time student and need a resonably decent credit score in order to be eligible for outside student loans…(and of course everything else that will come along in the future)

I understand that the ecomony isn’t in the best state right now, so it will be tougher to raise my credit score…. but what are some of the ways I can go about doing so?
I know that another credit card that I stay on top of will help… how long should I wait before applying for a credit card?

Thanks!
Oh, another thing… can I voluntarily add information to my credit report? I live in a rental housing community. They don’t report on credit unless its for the worse (evictions)… but I’ve never missed or been late on a rent payment… is there a way to add that information to be credit report?

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