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Hi. I was wondering if I could rent out the apartment.
Of course! First we have to take a look at a few things. What is your credit score?
My credit score is 564.
Oh okay. That's not very high but we'll see what we can do. Do you have any felonies?
I don't have any major felonies but I do have a couple speeding tickets.
Okay, that's not too bad. I don't think we will be able to rent this house out to you at this time though.
What! Why not!?
Based on everything you've told me and your credit score, I don't think you've shown you're trustworthy
Well, why is my credit score so bad?
Well if you miss payments, or have multiple credit cards that can hurt your score. Plus there are many more things that can as well.
What can I do to get my score better?
Well, increasing your score a lot can take years. You can start by paying your bills on time and pay off your debt. Then we can talk about this apartment again.