What Are Second Chance Apartments?
“Second Chance” refers to rental listings with more flexible credit requirements. We accept credit scores as low as 520. You won’t be denied for bankruptcies, broken leases, or other collections—as long as you meet the minimum qualifications.
What Are the Requirements for Renting?
You must have:
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Income of at least 3x the monthly rent
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A clear background check
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Rental history from the past 2 years
What If I Have Recent Negative Rental History?
You may still qualify by using our Plus or Premium membership plans.
What’s Included With My Membership? Fee is 1 time. (NOT Recurring)
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Access to Second Chance Apartments
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Eviction removal
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Repossession removal
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Collection account removal
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Additional benefits (varies by plan—see website for details)
Locations?
Available in: Atlanta, Austin, Baltimore, Charlotte, Chicago, Detroit, Dallas, Fresno, Houston, Indianapolis, Las Vegas, Los Angeles, Louisville, Macon, Memphis, Miami, Minneapolis, Nashville, New Orleans, Oklahoma City, Orlando, Philadelphia, Phoenix, San Antonio, Tallahassee (Credit services available nationwide)
How Much Are Rentals?
Rental prices vary by city and state. We do not track pricing, as it changes frequently. You can search online for “current rental rates in my area.”
How Is Move-In Cost Calculated?
Move-in costs typically include:
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Prorated first month’s rent
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Security deposit or bond
If you move in mid-month, you only pay for the remaining days. If your credit score is low, you’ll usually pay a standard deposit or bond. If you have a broken lease on your credit, your deposit will likely be higher.
Moving From Out of State?
If you're relocating, you’ll need:
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Your last two pay stubs from your current employer
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A letter of employment from your new employer
I Have a Broken Lease. Do I Qualify?
Yes—if the lease was broken more than two years ago, you may still qualify for properties in our catalog.
Section 8 Voucher?
We do not track Section 8 availability. You’ll need to check with individual properties.
Felony or Misdemeanor?
Felonies must be at least 7 years old. We do not accept registered sex offenders. Misdemeanors are typically not reviewed.
Are Rentals Guaranteed?
No. Approval depends on meeting specific conditions.
Refunds?
Membership plans are a one-time fee and are non-refundable.
What If I Have No Credit?
If your credit file is blank, you may still be accepted—provided you meet income and background requirements.
Credit Score Requirement
Minimum accepted score: 520
Number of Bedrooms Available
1-bedroom, 2-bedroom, and 3-bedroom units are available.
Can I Use a Prepaid Card to Pay for Membership?
Yes. The prepaid card must be registered in your name to use online.
What If My Score Is Below 520?
Use our Plus or Premium plan to help boost your score.
What Is the DIY Credit Repair Tool?
Our online credit tool allows you to:
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Select the account you want to dispute
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Choose a reason from the dropdown menu
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Download a pre-generated dispute form Sign and mail the form to the credit bureaus to begin the dispute process.
How Long Do Removals Take?
Removals typically take about 30 days on average.
What Happens After I Submit Collection Accounts?
A dispute case is opened, which usually takes around 30 days to complete.
How Can I Get an Update on My Order?
Notifications are sent by mail. For instant updates, we recommend using a credit monitoring service.
What If No Changes Were Made to My Credit Report?
Not all removals are guaranteed. Results may vary depending on your credit history and the nature of the accounts.
If an eviction doesn’t appear on your credit report but shows up on your background check, it may be reported by other agencies outside the three major credit bureaus.
Can I Contact the Credit Bureaus Myself?
Yes. You can reach out directly to each bureau to dispute errors or request updates.
Do I Have to Pay to Fix My Credit?
No. You can take steps on your own to correct errors and remove collection accounts. Using our service is optional. You may contact each credit bureau directly and follow the guidelines outlined in the Fair Credit Reporting Act. (A copy of the Fair Credit Reporting Act is provided below.)
Why Is There a Fee?
We charge a convenience fee for using our service.
Is a 100-Point Increase Guaranteed?
No. On average, credit scores may increase by 20–30 points for each negative item removed. Results vary from person to person.
