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All Forum Posts by: Josh Borg

Josh Borg has started 1 posts and replied 2 times.

I appreciate all of the advice! I'm going to get to work on all of it tomorrow. I know I'll be able afford an additional 50 a month but the double security deposit will be a struggle at the moment. Won't start receiving my new salary until I've made this out of state move, and my relocation benefits are just enough for a mover and car hauler. Everything I'm looking to rent is below 1/3 of my monthly salary and now that my car is paid off I just have $15k of student and credit card debt to take care of! 

I recently received a great promotion and relocation offer from my company. My salary is doubling, I'm moving to a state with no state income tax, and the cost of living is only slightly higher than my current town. 

The problem however... Is my credit score. When I was a single guy it was great, over 800! But after I married my ex wife it dropped to the upper 600s. Not good but not too bad, it's fixable though. Then the divorce started, and the costly child custody battle. I was successful, thankfully, but my credit score took a huge hit. Like, I didn't know it could be below 450 type of situation.

So now I'm here with a great job and salary waiting for me but I can't find a decent place to live. If I had to I'd just live in my car, I've done it before and it would help me get a large savings and help quickly pay off any debt. But I can't do that with a two year old. She needs a nice place in a safe area with good schools/daycare nearby. But even though the rent prices are only slightly higher than what I currently pay my applications are being denied. 

does anyone have any advice for me? I'm clearly making steps towards fixing my credit and having financial stability, but no one is willing to work with me on that. No history of damage in previous rentals, while I've had a late payment here or there I've always paid including the harsh late fees. Never underpaid or left a rental in anything but the condition it was in when rented to me.