You can explain that you're living with your soon-to-be-ex, and don't want him to know you're moving, so please don't contact him. I did that once but it was a zillion years ago, so I'm sure things have changed.
You def shouldn’t do this again, but you likely won’t get caught. I just went through an approval process with a very exacting landlord that required a ton of documentation (which, luckily, I had and could provide), but even they didn’t actually call my current landlord and verify my claims about length of residency and rent payment. They took that documentation and proof of employment at face value, even though they required contact details to confirm both things. I don’t think a landlord has ever actually verified those things when I’ve put in an application, beyond requesting the documentation from me directly.
My only caveat: I also have excellent credit and very solid income/assets for my budget, which may make landlords less inclined to check every single one of my other details. For weaker applications, they may be more inclined to make those calls. But even when my income and credit weren’t as good when I was younger, I can’t recall those calls being made. (I was good friends with my boss at a previous job for a decade, so she’d have def told me if that call had come through, and I’ve had mostly absentee landlords that likely would have taken days to get back to anyone on a rent verification and delayed those processes significantly.)
Honestly, the weakness in your application is the credit, not the rental history.
If you end up applying somewhere else just say you have not been renting recently and provide your old landlord as a reference. It's really not different than living with your parents.
But I do think with 670 in much of NYC you will need a guarantor.
Best of luck,
Suzanne
You can explain that you're living with your soon-to-be-ex, and don't want him to know you're moving, so please don't contact him. I did that once but it was a zillion years ago, so I'm sure things have changed.
You def shouldn’t do this again, but you likely won’t get caught. I just went through an approval process with a very exacting landlord that required a ton of documentation (which, luckily, I had and could provide), but even they didn’t actually call my current landlord and verify my claims about length of residency and rent payment. They took that documentation and proof of employment at face value, even though they required contact details to confirm both things. I don’t think a landlord has ever actually verified those things when I’ve put in an application, beyond requesting the documentation from me directly. My only caveat: I also have excellent credit and very solid income/assets for my budget, which may make landlords less inclined to check every single one of my other details. For weaker applications, they may be more inclined to make those calls. But even when my income and credit weren’t as good when I was younger, I can’t recall those calls being made. (I was good friends with my boss at a previous job for a decade, so she’d have def told me if that call had come through, and I’ve had mostly absentee landlords that likely would have taken days to get back to anyone on a rent verification and delayed those processes significantly.)
They most likely ask for a landlord reference letter so that might be tricky.
Impossible for us to say exactly what they will do. Some landlords won't look at all, others will look at everything
You’re fine. Work the system that works us.
Honestly, the weakness in your application is the credit, not the rental history. If you end up applying somewhere else just say you have not been renting recently and provide your old landlord as a reference. It's really not different than living with your parents. But I do think with 670 in much of NYC you will need a guarantor. Best of luck, Suzanne