[US - UT] Hey there, I'm looking to apply to a three bedroom with some friends but one of the five has a bankruptcy. What are the odds I still get it with the other four who have solid credit and consistent income?
Like the title says, everyone here has pretty alright credit and consistent jobs but filing the paperwork has a document that has this line "A credit report will be completed on all applicants to verify credit ratings. Income plus verified credit history will be entered into a credit scoring model to determine rental eligibility and security deposit levels. Unfavorable accounts which will negatively influence this score include, but are not limited to: collections, charge-off, repossession, and current recent delinquency; open bankruptcies, or bankruptcies discharged and/or closed within the past 12 months, will result in an automatic denial of the application." mainly the line that says "bankruptcies discharged and/or closed within the past 12 months, will result in an automatic denial of the application". I understand what it says but is there room to negotiate because the other four of us have good history and could that be overlooked due to us all having stable income?