MeghansMom Posted August 29, 2014 Share Posted August 29, 2014 We have had a horrible year to say the least. My mother had a massive heart attack in January. She had a triple bypass in February. My daughter and I went to Fl to help my father and be there for her. In March my daughter had a severe UTI. She only has one kidney, and she has ended up in the hospital when they have resulted in a kidney infection. April, we found out her tethered spinal cord is back. She will need surgery at one point. May I had an ischemic brain stem stroke. June and July had incidents too. Then August, we received termination from our landlord. Her husband died and she is downsizing. She sold her house and wants to move back into this home. We have lived here over ten years. We at this point have twelve days to be completely out and in a new place. The problem is my husband has bad credit. When the recession hit, his pay took a 20,000 hit. They also took away bonuses, payment of cell phones and other extras. We have medical bills from our daughter and now from me. We have paid things late but we do pay. We have an excellent rental history. 10 years at our current place, 10 years at our last place. My husband also has an excellent work history and has been with a corporation for 11 years, working one of their local stores for five years before that. But it seems all that matters is that almighty credit check. We have tried to get into some seedy apartments and all that matters is our credit check. :( We are to look at two houses today and if we like one...heck we have to like one, we are desperate. We did let the property manager know about my husband's credit. He said he would have to pull it (and each pull brings his credit rating down more) and work from there, talk to the landlord. We are offering to have the payments taken directly out of our checking. The other options are that my daughter and I move down to Florida with my parents which would be incredibly hard. She would have to give up her AHG, her voice and piano, her pets and I could not get to therapy. I am suppose to be in OT, PT and ST to get my skills back but finding a home is top priority right now. Plus my parents are elderly and set in their ways, they are very strict to put it lightly. My husband would have to get his work to keep him on the road that way he would stay in a hotel. The other option is to rent a long-term hotel. They don't allow pets though and a kennel for months at a time is expensive. I am just really hoping this landlord will work with us. I have prayed until I am blue in the face about this situation and for a peaceful rest of the year. Would you please pray for my family? We are not doing well at all. :( Quote Link to comment Share on other sites More sharing options...
MomtoCandJ Posted August 29, 2014 Share Posted August 29, 2014 Prayers sent, have you tried looking in local papers for individuals who don't use a management company? They seem to be more lenient towards the credit report stuff (if they check at all, all of our previous land lords went more with references then credit scores) Quote Link to comment Share on other sites More sharing options...
Catwoman Posted August 29, 2014 Share Posted August 29, 2014 Praying for you and your family. I hope things get much better for you very soon. :grouphug: Quote Link to comment Share on other sites More sharing options...
MeghansMom Posted August 29, 2014 Author Share Posted August 29, 2014 Thank you both. I have scoured Craig's list. We also have excellent references too. People we have known for ten, twenty, thirty years. Quote Link to comment Share on other sites More sharing options...
happi duck Posted August 29, 2014 Share Posted August 29, 2014 (Hugs) Quote Link to comment Share on other sites More sharing options...
Calm37 Posted August 29, 2014 Share Posted August 29, 2014 Praying for you today, MeghansMom. My husband is also in a job that has never really recovered from the recession. It's hard. Quote Link to comment Share on other sites More sharing options...
FaithManor Posted August 29, 2014 Share Posted August 29, 2014 Praying here! Quote Link to comment Share on other sites More sharing options...
Evergreen State Sue Posted August 29, 2014 Share Posted August 29, 2014 Praying for your family. Quote Link to comment Share on other sites More sharing options...
NorthwestMom Posted August 29, 2014 Share Posted August 29, 2014 :grouphug: :grouphug: :grouphug: :grouphug: :grouphug: :grouphug: Quote Link to comment Share on other sites More sharing options...
Liz CA Posted August 29, 2014 Share Posted August 29, 2014 Prayers sent, have you tried looking in local papers for individuals who don't use a management company? They seem to be more lenient towards the credit report stuff (if they check at all, all of our previous land lords went more with references then credit scores) I think this is good advice - at least worth checking into. Talk to an individual owner. Offer to have him/her speak to your current landlady who can verify your excellent rental history. Explain what happened during the recession. Many people suffered during that time. Will pray! Quote Link to comment Share on other sites More sharing options...
OneStepAtATime Posted August 29, 2014 Share Posted August 29, 2014 So so sorry! I agree with others, check the newspaper, maybe network through your church if you have one, to find someone less interested in the credit check. Would your parents be willing to be co-signers on a lease? Someone might be more willing if they agreed to back you all up. Huge hugs. :grouphug: Quote Link to comment Share on other sites More sharing options...
Ewe Mama Posted August 29, 2014 Share Posted August 29, 2014 Oh my goodness! That is so much to deal with, all at once. You have received some excellent advice already. Just know that you and your family are in my prayers and will remain there. Quote Link to comment Share on other sites More sharing options...
Jean in Newcastle Posted August 29, 2014 Share Posted August 29, 2014 :grouphug: :grouphug: :grouphug: Quote Link to comment Share on other sites More sharing options...
jewellsmommy Posted August 29, 2014 Share Posted August 29, 2014 Prayers said! I'm so sorry that your family has been through all that! Please update when you have heard about the house. :grouphug: Quote Link to comment Share on other sites More sharing options...
HSmomof2 Posted August 29, 2014 Share Posted August 29, 2014 Praying for your family.....I'm so sorry you've had such a difficult time. :grouphug: Quote Link to comment Share on other sites More sharing options...
Stacia Posted August 29, 2014 Share Posted August 29, 2014 Sending hugs... Quote Link to comment Share on other sites More sharing options...
PrairieSong Posted August 29, 2014 Share Posted August 29, 2014 I'm so sorry about all your struggles!! We're landlords and I do most of the showing and sifting through applications. We do background checks for criminal records etc and I also verify employment and talk to current and/or previous landlords. It makes a big difference to me WHY someone might have bad credit. If it is because of reduction in income and medical bills that would not necessarily be a big red flag to me. If you had good references from landlords and sufficient income, no criminal history, etc I would consider renting to you. I rented a place to someone who had a bankruptcy a few years ago due to a divorce. The housing market tanked and she was unable to sell the house. BUT she has a really good job, great landlord references, and no criminal record. I hope you will find a place soon!! Quote Link to comment Share on other sites More sharing options...
MeghansMom Posted August 30, 2014 Author Share Posted August 30, 2014 Thank you for your prayers and support. We liked one of the houses we saw yesterday and put in our application. It is an individual owner and two of his places are not rented, I am sure he wants to get them filled and collect rent. We also had a lady contact us and we expect to hear back from her this coming Tuesday. My husband did talk to the pastors at our church and several people have contacted us. Either the rent was too high or the house was not right or not going to be ready in time for us to move. This house is not perfect but it is a good fit for our family. Sitting on pins and needles, packing and getting ready for a moving sale. Quote Link to comment Share on other sites More sharing options...
Ethel Mertz Posted August 30, 2014 Share Posted August 30, 2014 :grouphug: Hoping that everything works out for you! Quote Link to comment Share on other sites More sharing options...
MicheleinMN Posted August 30, 2014 Share Posted August 30, 2014 Praying :grouphug: Quote Link to comment Share on other sites More sharing options...
Slartibartfast Posted August 30, 2014 Share Posted August 30, 2014 :grouphug: Quote Link to comment Share on other sites More sharing options...
Laurie4b Posted August 30, 2014 Share Posted August 30, 2014 :grouphug: :grouphug: :grouphug: So sorry! What a lot you have had to deal with. I pray the Lord opens something up for you soon. Quote Link to comment Share on other sites More sharing options...
mominco Posted August 30, 2014 Share Posted August 30, 2014 Sorry to hear things are so rough for you and your family! I hope and pray things improve for you all! Quote Link to comment Share on other sites More sharing options...
VeritasMama Posted August 30, 2014 Share Posted August 30, 2014 Prayers for your family! Quote Link to comment Share on other sites More sharing options...
Harriet Vane Posted August 31, 2014 Share Posted August 31, 2014 :grouphug: Quote Link to comment Share on other sites More sharing options...
RoughCollie Posted August 31, 2014 Share Posted August 31, 2014 :grouphug: and prayers! Quote Link to comment Share on other sites More sharing options...
BlessedMom Posted August 31, 2014 Share Posted August 31, 2014 ((((((Hugs)))))) Praying for you. Quote Link to comment Share on other sites More sharing options...
sbgrace Posted August 31, 2014 Share Posted August 31, 2014 :grouphug: Praying Quote Link to comment Share on other sites More sharing options...
MeghansMom Posted September 4, 2014 Author Share Posted September 4, 2014 Thank you so much for your thoughts and prayers. :) We have a place! We sign papers tomorrow. He did not care about the credit score. He saw that we had excellent rent history and excellent job history and is giving us till the end of September to give him the deposits. We will spend this weekend moving and should be settled the beginning of next week. Again, thank you all so very much for your thoughts and prayers, it is appreciated. :grouphug: Quote Link to comment Share on other sites More sharing options...
Stacia Posted September 4, 2014 Share Posted September 4, 2014 So glad it worked out! Hope things continue to improve each & every day. Hugs. Quote Link to comment Share on other sites More sharing options...
Ewe Mama Posted September 4, 2014 Share Posted September 4, 2014 :party: I am so happy it worked out for you! Thank you for updating us. I will continue to pray about the health issues. :grouphug: Quote Link to comment Share on other sites More sharing options...
Just Kate Posted September 4, 2014 Share Posted September 4, 2014 Just seeing this thread and so glad to read that everything is working out!!! Quote Link to comment Share on other sites More sharing options...
Suzanne115 Posted September 4, 2014 Share Posted September 4, 2014 I just saw this thread. I'm glad your housing situation is working out. I'm sorry you have had so much to deal with lately. I hope and pray your year gets much better! Suzanne Quote Link to comment Share on other sites More sharing options...
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