Can I rent an apartment in NYC with this on the credit report?
February 28, 2013 9:00 AM Subscribe
I've paid my back taxes for New York State as of last year, but the judgment is still on my credit reports, although marked "paid". This is my only ding. Will landlords refuse to rent to me anyway?
posted by droplet to home & garden (4 answers total)
I live in NYC with a roommate/owner whose family wants to fix up and sell the place, so I have to move out by end of May. I've lived in my current flat for 11 years and paid my rent on time, which they will provide a letter attesting to.
I applied to live in a working-class housing complex in the Bronx a couple of weeks ago, and they disqualified me for bad credit, so I checked my credit out. The scores themselves weren't terrible; I have one in the upper 600s from one rating company and in the mid-700s from the other two. The issue is from when I was on UI a few years ago. I didn't have taxes taken out then, as the maximum benefit for New York State is so low, to reduce it further would've had me on the streets.
Once I got a job again, enough time had passed that the State garnished my checks until the back taxes were paid off. The judgment is on my credit report, and I sent all 3 agencies the note from the State saying that the judgment had been satisfied.
How do I mitigate this so that I can get an apartment? Are all NYC/Yonkers/NJ landlords going to turn me down? I'm at an age now where having a roommate is a seriously unappealing prospect, but if I had to do that again, would this lien business keep me from being on a legal lease? What are my options under these circumstances?
Why can't I just be rich? :(