A: How "not great" is your credit history? A little smudge, like a late payment on your credit card, is easily explained and will likely be forgiven. If your credit history is the equivalent of the Exxon Valdez disaster, then you're in for a bigger challenge. But take solace in the fact that credit reports are only one tool that a property owner or manager can use to evaluate you. Do you have a good job? Have you rented before? These factors will definitely weigh in your favor.

Many - but not all - property owners or managers refer to credit reports run by the three major bureaus: Experian, Equifax and Trans Union. Obtain a credit report from a reliable agency prior to your search. You want to know your own credit history and see it before your prospective owner or manager does.

Examine the report. Does it draw from all three credit agencies? You'll want one that does so you'll get the most complete information available. Does it contain your rental history? Typically, property owners and managers will desire this information. Is the report accurate? If not, you'll want to get the information corrected.

Remember that credit report companies are only human, and can make occasional mistakes. If your report contains an error, make every effort to promptly correct it. Unless you are experienced at reading these reports, you may need some assistance in understanding and correcting your report. I'd recommend that you pick up Nolo Press's excellent book, Credit Repair by Robin Leonard.
If your credit is still "not great," there are some additional techniques you can use to impress your future property owner or manager:

* First, appear professional and responsible during your search. Try not to imitate Adam Sandler. Dress and act as if you're on a job interview. These qualities may impress the property owner or manager that you're someone who will be a model resident.

* If you've gone through a divorce, temporary unemployment, illness, or bankruptcy, prepare so you'll be able to explain what happened to cause credit impairment, and why your credit history will not affect your ability to be a model tenant. Be prepared to talk openly about your current situation. Show the prospective property owner or manager there is no current risk of additional financial problems.

* Give the property owner or manager concrete evidence that you'll be able to meet your rent obligations without difficulty. Get a letter from your current employer showing you have the financial means to pay rent and meet your other obligations. Offer to pay the first two or three months' rent in advance, if possible. Obtain bank records showing adequate balances to cover several months' rent. The property owner or manager may desire that someone with a good credit history become a co-signer on your lease. (Do you happen to know Bill Gates?)

Lastly, a credit repair service may be able to assist you in cleaning up bad credit. While some of these services have come under media scrutiny for using improper tactics, many are reputable and can assist in correcting an erroneous credit report, and repairing bad credit.

While there is no substitute for having great credit, as you can see, there are several things you can do to improve your odds of renting a great place - no matter what condition your credit is in.

For credit reports, see our convenient online services here. Good luck in finding your perfect place!