Will a landlord care if you have high credit card debt?

I have 4 credit cards that total about 11k. My debt to income ratio is 25%. My gross monthly income is $3605. The rent would be $600 plus gas and electric. I pay all my bills on time every month but due to my high credit card debt my credit score is 620. Will a potential landlord not rent to me because I have high credit card debt. I have not consolidated the debt but I have a plan of my own to pay it back in 3 years. My three year plan does not finally squeeze me after paying allow my bills I would still have about $1000 for food fuel savings and entertainment every month.|||At 620, it varies from landlord to landlord. Some may not rent, some may want higher security deposit, and others may require prepaying several months in advance. Since you have always paid your bills on time, that's definitely something in your favor. How was your previous renting history, and how long have you stayed in your previous residence? If a landlord rejects your rental application on credit grounds, you may provide them alternate options like higher deposit or prepaying several months in advance. If your landlord doesn't look at your credit history before renting, then all of this doesn't matter, of course.|||If the landlord looks at your credit, then he will care. I am a landlord, and bad credit is the worst thing that a person can have.





I don't always look unless I suspect something.|||Offer to pre-pay several months or even a year. Ask for a free month's rent in return for pre-paying a year's rent, or ask for several weeks' free for making two semi- annual rent payments. Many landlords would find this an attractive offer, and would be willing to give you a few weeks free even if not a full month. Obviously, you want to have a good credit history, and good prior rent payment history. If this is the case, you want to stress that in your negotiations. Statements such as: "I have paid my rent on time every single months for the past four years," or "I am never late with a payment," are music to a landlord's ears. If you don't have enough cash in advance, ask that a clause be added to the contract giving you a two percent discount for paying the monthly rent early.