A blotchy credit history is known to make it difficult to secure a credit card or loan, but it does not just stop there. In some cases, a bad credit is all it takes for some landlords to turn down a prospective tenant. If you’re looking at renting out a home and have a bad credit history, here are some tips that you can use to not let it get the better of your rental hunt.

Review your credit report

If you have been turned down by multiple landlords then it is a good idea to have a look at your credit report. Chances are there are some errors in it, and if that is the case file for a dispute process with the agency so you can have it corrected. If your bad credit history is not due to processing/calculation errors, then make sure that you have arguments to support your case. For instance, if you lagged on your payments during a couple of months, be sure to mention what the cause was- whether it was a phase of unemployment or that kept you from paying the bills on time.

Focus on the positives

If you have a good income, then a bad credit won’t look so bad. The landlord will most likely ignore the bad credit when they see that your rent-income ratio is appealing. A thumb rule is to have a rent-income ratio of 25 percent, so the landlord knows that you can comfortably afford the rent every month. A bad credit history may also be the result of bad financial decisions or rough patches in the past, but you can work on it to improve your credit score. Whether it is by paying your bills in a timely manner or answering to calls from collection agencies, it can make small but noticeable difference to your credit score. Be sure to show any progress in your credit score to a prospective landlord, so they don’t turn you down because of a few red flags.

Offer incentives

Offering incentives is a good way to offset bad credit scores. Incentives could be anything from paying a bigger deposit up front to moving in at the earliest you can. Most landlords are not keen on letting their property sit for months together once a tenant moves out, as it translates to a loss of rent. A tenant with not the best credit history but a decent salary who is ready to immediately move in, certainly looks promising in such instances.

Look in other places

You’ll be glad to know that not all landlords are particular about the credit history of prospective tenants. In fact, it is usually the large-scale real-estate companies that filter clients by reviewing their credit history. Do your homework, and you will be sure to find landlords who are not all that picky, and to whom a tenant with a plush income will suffice. You usually find such real estate deals with landlords who own individual properties.