Hacker News new | ask | show | jobs
by astura 2518 days ago
With friends/family, informal roommate arrangement, or renting substandard housing from slumlords. Either that or they have a cosigner.
2 comments

This is pretty clearly not the case. I rented in relatively hot markets --- there was actual bidding for the SOMA loft we got back around 2000! --- and I had bad credit (put differently: when I was renting, I would have had better credit had I no contact with the consumer credit system whatsoever), and my credit score never once kept me from getting a lease, or even changed the terms of a lease.
The person you are responding to claims that the situation has changed in the last 10 or 15 years, so I think your comment is not really responsive.
Based on everything I have read, as well as my own personal experience, I think you are exaggerating the seriousness of the situation. Do you have any evidence of this being the case?
My sister is currently renting a moldy basement (not a legal apartment) because of her poor credit. She's got two babies, she'd prefer better accommodations but that's all she could find with her credit. No evictions but several judgements against her.