by Apt Planning Co
and why it might be the move if you have a rental collection, bad credit or eviction.
If you've been getting denied for apartments because of your credit, you've probably been told to pay it off, find a landlord that works with you, find a private landlord, look for second-chance housing, or even just wait until it falls off your report.
But that's not good advice when you actually need to move ASAP.
A credit restart is your second chance.
What Is a Credit Restart?
A credit restart is essentially a new credit profile. It gives you a fresh credit file separate from your personal credit profile so you can get approved without all the baggage from your past. Those evictions, rental collections, and charge-offs that keep haunting your applications? They don't show up on this profile.
How It Works
The process is simple — only two steps:
So while the credit restart itself only takes about three days, the full process can take up to 30 days before you're ready to apply.
Who Needs It?
A credit restart is for you if:
How Long Does It Take?
The restart itself takes about 3 days. Adding trade lines so you have an actual credit score takes up to 30 days. Plan for roughly a month from start to when you can start applying with your new profile.
What It Does NOT Do
This is important — a credit restart is a tool, not a free pass. You do NOT use this to:
This is only to help you get ahead in three areas: housing, cars, and credit. That's it.
If you've been trying to get approved and nothing's working, a credit restart might be exactly what you need. It's a second chance.
Think a credit restart might be what you need? Book a call or fill out a free intake form for more information.