Bad or No Credit? Get Approved at Houston Partner Properties

A straight answer about no credit check apartments

We do not offer no credit check apartments, and we will not tell you that a property will skip screening. Apartment communities screen applicants, and that is normal. What we can do is help you get approved despite credit that is low or thin.

That distinction matters. Listings that promise no screening at all can be misleading, and they sometimes come with extra costs or poor conditions. A better path is finding properties that look at more than a score.

Bad credit versus no credit

Bad credit means a history of late payments, collections or high balances. No credit means there is little or nothing on file, which is common for people who have paid in cash, who are new to the country or who have been out of the system for years. Properties handle the two differently, and both can be worked with.

For thin files, income and rental history carry more weight. For damaged credit, an explanation and steady income help.

How we help you get approved

Done Deal Cosign has helped Houstonians since 2014, with more than 10,000 approved. We work with 121+ partner properties. A counselor reviews your situation and recommends partner properties where applicants with credit challenges are considered. You choose your apartment from those partners.

If you are not pre-approved within 7 days, the Initial Fee is refunded.

• Tell us about your credit and rental history.
• Complete the qualifying forms.
• Get your pre-approval decision and choose a partner property.

What to have ready

Proof of income, a government photo ID and honest answers about your rental history make the process faster. Our general guideline is two or fewer rental issues, such as evictions, broken leases or unpaid landlord balances.

Costs

We charge an Initial Fee and a Lease Assurance Fee. The amounts depend on your rental history and the partner property's rates. We explain them before you commit.

Why we do not promise no screening

It would be easy to say what searchers want to hear. We would rather be accurate. Screening practices vary by property, and nobody can honestly promise that a given community will not review your history. What we can promise is a real person looking at your situation, partner properties chosen because they work with applicants who have credit challenges, and a refund of the Initial Fee if you are not pre-approved within 7 days. If you see an ad that promises approval with no review at all, be careful, and ask questions before you pay anything.

Frequently asked questions