A Social Security Number is used for so many facets of our lives. Rental applications are no different and usually require the SSN for a credit check. While most landlords also ask for it, this doesn’t mean you can’t sign a lease without your social security number. Many other renters out there don’t have one as well. They were able to rent an apartment and you can too. In fact, some areas in the U.S. are more lenient when it comes to these things.
Looking for apartments to lease without an SSN? Here are some strategies you could use.
Start contacting potential landlords
When trying to rent without a social security number, the approval of your application will largely depend on the policies of your landlord or the rental company. Some states in the U.S. restrict landlords from asking for a renter’s SSN when leasing. You’re lucky if you’re looking for a rental apartment in one of those states. If you’re renting outside of these places, you might want to take time to contact potential landlords to learn about their policies and requirements. You can cross the ones which require an SSN off of your list and narrow down your options to those that don’t require it.
Make sure to provide all the other documents
While not all landlords require a social security number, all of them will ask you to provide some legal documents before your application gets approved. If you don’t have your SSN, make sure that you have your other pertinent documents ready before you even start looking for an apartment. In most cases, a visa or green card will be required from those who are not an American resident. If you have a work visa or a student visa, you may have to get certification from your employer or have your transcript ready. You might also need to show that you have funds in an American bank account. This is how some landlords can get an assurance that you won’t turn your back on your obligations.
Be ready to pay more
It may sound unfair but it is true that if a landlord doesn’t feel quite sure about you, they are more likely to require you to pay a larger deposit. Either that or they may ask to pay a few of months of rent in advance. Don’t worry, if you can show proof that you have a steady income, you have a good payment history and you’re backed up with a couple of references, they won’t really have a lot of reasons not to trust you. This is especially common among privately owned leased apartments. So make sure to take time to do your research and consider the pros and cons before making a decision.
Don’t use the third party screening services anymore
Landlords screen applications by running your credit history and doing a criminal background check. Many of them do it with the help of third party screening services. These screening services require a social security number. Since you don’t have one, you can offer to pay your landlord and ask them to run the credit check directly. Ask if they can do this instead of using a third party service. However, there is a downside to this process. A credit check without a person’s SSN is most likely not going to show any credit history at all. However, it is still a good way to prove that you can be a trusted renter.
Be upfront with your situation
There is no need to avoid telling your landlord the truth if you are without a social security number. It’s always better to be honest and explain your situation. Although it may be difficult, you will still be able to find some landlords who are willing to rent to you regardless of your situation. Just be ready with your proof of income and your valid ID from your home country. These are the things that they are most likely going to ask from you.
Finding the apartment for you can be a real challenge especially when you don’t have an SSN. With extra patience and the help of these tips, you can make it happen. Looking for your own comfortable place to rent? Please consider our Williamsville, New York apartments.