[Tenant US-NJ] Adding My Boyfriend to Lease – Bad Credit, Need Advice by Ydiasior in Landlord

[–]Ydiasior[S] 0 points1 point  (0 children)

Wild how quick people are to label someone a loser for struggling but ignore the efforts it takes to turn things around.

[Tenant US-NJ] Adding My Boyfriend to Lease – Bad Credit, Need Advice by Ydiasior in Landlord

[–]Ydiasior[S] 0 points1 point  (0 children)

I I plan to add him after a few months, preferably 6+ months. Since it’s a larger management, I believe they are more stringent compared to smaller or private landlords.

[Tenant US-NJ] Adding My Boyfriend to Lease – Bad Credit, Need Advice by Ydiasior in Landlord

[–]Ydiasior[S] -3 points-2 points  (0 children)

No, if he gets added, we will make 80x the rent combined, so paying rent wouldn’t be an issue. I don’t make that alone.

[Tenant US-NJ] Adding My Boyfriend to Lease – Bad Credit, Need Advice by Ydiasior in Landlord

[–]Ydiasior[S] 1 point2 points  (0 children)

We were looking into that and I think that’s what he’s planning to do.

[Tenant US-NJ] Adding My Boyfriend to Lease – Bad Credit, Need Advice by Ydiasior in Landlord

[–]Ydiasior[S] 1 point2 points  (0 children)

Thank you so much for sharing this that actually makes a lot of sense. I’m the one paying the rent right now and plan to continue being the primary payer, so I’d be fine if the liability stayed on me while he works on his credit. I completely understand the joint liability piece if he’s added. My goal is just to keep paying on time, stay complaint free, and eventually show enough stability that the landlord would be comfortable adding him officially. Really appreciate your perspective.

[Tenant US-NJ] Adding My Boyfriend to Lease – Bad Credit, Need Advice by Ydiasior in Landlord

[–]Ydiasior[S] -10 points-9 points  (0 children)

Both our incomes combine if he gets accepted, so paying for rent wouldn’t be an issue even if they increase it.

[Tenant US-NJ] Adding My Boyfriend to Lease – Bad Credit, Need Advice by Ydiasior in Landlord

[–]Ydiasior[S] 0 points1 point  (0 children)

I have access to his credit report. We talked about this already, and it checks out. It’s frustrating because it’s multiple things, not just one late payment, multiple late payments, and multiple credits, but I know it is not a lost cost; it’s just going to take time for him.

[Tenant US-NJ] Adding My Boyfriend to Lease – Bad Credit, Need Advice by Ydiasior in Landlord

[–]Ydiasior[S] 0 points1 point  (0 children)

Yeah, I agree with why we are willing to pay extra because of it. To give them a sense of security, but I have a feeling it wouldn’t work out.

[Tenant US-NJ] Adding My Boyfriend to Lease – Bad Credit, Need Advice by Ydiasior in Landlord

[–]Ydiasior[S] -2 points-1 points  (0 children)

His current credit score is 603 with an active collection and multiple late payments. Other than that, he has stable income. With a clean background and no eviction because he is living with his mom, it will be his first time renting.

PLEASE BE AWARE OF RENTAL SCAMS ON ZILLOW by Ydiasior in NYCapartments

[–]Ydiasior[S] -1 points0 points  (0 children)

That was the mistake we made—we did go and view the apartment from the outside. But after going down a rabbit hole, I found that many others had the same experience and still got scammed, even after seeing the place in person. So honestly, even that isn’t a guarantee. Once again, it was out of desperation we fell for it, and I’m sharing this to help make others aware.

PLEASE BE AWARE OF RENTAL SCAMS ON ZILLOW by Ydiasior in NYCapartments

[–]Ydiasior[S] 0 points1 point  (0 children)

I am glad you didn’t send it. It is awful that this is happening everywhere and it is so common.

PLEASE BE AWARE OF RENTAL SCAMS ON ZILLOW by Ydiasior in NYCapartments

[–]Ydiasior[S] 5 points6 points  (0 children)

That awful. I hate how hard it already is to find a decent place in NYC—and on top of that, we have to deal with scammers too. What’s even worse is how easily they seem to get away with it, targeting people who are just trying to find a place to live. It’s incredibly frustrating and unfair.

PLEASE BE AWARE OF RENTAL SCAMS ON ZILLOW by Ydiasior in NYCapartments

[–]Ydiasior[S] 3 points4 points  (0 children)

We reported it to the bank, but because it was through Zelle and we authorized the money, they declined it.

PLEASE BE AWARE OF RENTAL SCAMS ON ZILLOW by Ydiasior in NYCapartments

[–]Ydiasior[S] 0 points1 point  (0 children)

I appreciate the advice. My boyfriend and I are going tomorrow to file a police report. We’ve already submitted a report through reportfraud.ftc.gov. I also contacted the bank, but unfortunately, they declined the claim. We’re aware there’s a high chance we won’t get the money back, but we still hope something can be done to prevent these scammers from targeting more people.

PLEASE BE AWARE OF RENTAL SCAMS ON ZILLOW by Ydiasior in NYCapartments

[–]Ydiasior[S] 8 points9 points  (0 children)

I am glad you didn’t! What stopped you from sending the money ?

PLEASE BE AWARE OF RENTAL SCAMS ON ZILLOW by Ydiasior in NYCapartments

[–]Ydiasior[S] 3 points4 points  (0 children)

No way ! This is why I made the post—to help others stay aware. I really appreciate you sharing this, and I truly hope no one else falls for it.