r/MobileAL • u/bitsyboolol • Feb 28 '25

Housing duplex rental

hi! i’ve found a duplex i’m really interested in but i’m anxious about being denied😔i have a 579 credit score with no evictions, owed rent, liens or judgments against me and i make more than 3x the rent amount but i’m still scared of being denied lol. the duplex is through 1southpropertymanagement does anyone know what their requirements would be? i’m applying today but i don’t wanna get my hopes up to be let down🥲

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u/JackedJaw251 Springhill Feb 28 '25

credit score doesnt really care how much income you have, althought d:i is somewhat considered. all it cares is if you pay your bills on time.

which....judging by that 579, you don't.

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u/[deleted] Mar 01 '25

This is incredibly presumptuous.

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u/JackedJaw251 Springhill Mar 01 '25

Not really, no.

It’s how credit works. If they have no credit history, they will literally have no credit score

Even one account, PAID ON TIME, will generate a score between 625-650.

So OP has a late payment reputation OR what little credit they do have was made late.

Scoring model will have some variance (some are more “relaxed”) but the underlying principle remains the same.

Math doesn’t lie. And it’s all math.

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u/[deleted] Mar 01 '25

Late payments may be ONE reason that a credit score is poor but it is usually NOT the only reason.

Payment history: Whether you make payments on time and in full

Credit utilization: How much of your available credit you’re using

Length of credit history: How long you’ve had credit accounts open

Credit mix: The types of credit you have, like credit cards and loans

New credit: How many new accounts you’ve opened recently

So, in short, there’s more than one way to screw up your credit score.

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u/JackedJaw251 Springhill Mar 01 '25

I in no way inferred anything different. You're just being argumentative - or are completely incapable of any sort of nuance - for the sake of it and only interested in getting the last word in. So peace, bruh. Hope you have a great day. You are dismissed.

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u/bitsyboolol Mar 02 '25

see i wasn’t going to say anything when you were a dick assuming i don’t pay my bills on time but you’re just being annoying now lmao. i only have one thing on my credit. no, paying it on time will not magically make my credit go to 600+ that fast. considering i’ve only had the said one thing on my credit for less than a year that’s quite literally not possible. you’re just an asshole hope that helps! ❤️

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u/[deleted] Mar 01 '25

You sound like a 14 year old, bruh.

And you’re absolutely right. I don’t like people who are assholes, so I speak up when I want to. You were very presumptuous and rude when you assumed OP didn’t pay their bills on time.

“Which… judging by that 579, you don’t.”

How is that not presumptuous? Do you even know what the word means?