Renting with mixed credit backgrounds.
My boyfriend and I are looking at apartments together he has a 700+ credit score and strong income, enough to qualify for the place on his own at 3x the rent. My credit score is around 620 and I have two delinquent payments from the last four months both credit card, not rental related. As far as rental history, I’ve lived in luxury high rises for about the last six years. Had some late payments here and there but always paid, never reported, never went to collections.
We haven’t fully decided on the best approach whether we apply together from the start with him as primary and me as co-tenant, or whether he applies solo first and I get added to the lease after approval. Not sure which route is better given our credit difference and I’d love input on that too.
Has anyone been in a similar situation with mixed credit profiles? Were you able to get approved? Did the stronger applicant carry enough weight? Any advice is appreciated!”