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In Defense of Bad Credit

I have bad credit. I'm not saying this because I'm proud of it. I'm saying it because it's true.

When I was in college, I got a bunch of credit cards with no way to pay the bills. Then as an adult, I went through periods of being both underemployed and unemployed. When I got jobs, I had to focus on the basics of food and shelter -- not catching up bills. And now I have a credit score that is in the toilet.

Again...not a thing I'm proud of at all.

But I mention this because I think it's ridiculous for apartment companies to judge me on my credit score. Here's why -- if I'm not able to pay a single bill, I make sure to keep a roof over my head. That means that I pay rent. If I'm RENTING from you, what does it matter what I do for everyone else? When random people look at my credit score, it doesn't show that the bills were paid perfectly and on-time until the job decided to lay you off.

I just needed to get that off my chest. Carry on...

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