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How to Move to a New City Even with Bad Credit | iMoving

Moving to a new city can be expensive especially if you are moving long-distance or cross country. Moving can even become more difficult if you are not financially buoyant and you still have bad credit on top of that. What that means is that you might not be credit worthy and to get a loan to finance your moving expenses can be difficult.

 

To relocate or move to a new city with bad credit requires proper budgeting and financial planning so that you can maximize resources at your disposal. One of the best things to do if you are working on a lean budget is to get as many quotes as possible from moving companies around you or you visit the websites of these companies to make use if their moving cost calculator, compare the quotes and make an informed decision on which of them you will hire.

 

Having bad credit can affect a whole lot of things in your life. Relocating or moving is one of the areas that can be affected. Your credit can have a significant impact on how and what you need to do to relocate from your present home to a new city. You might be unable to rent a moving truck, and this might even make your move even more expensive as you might have to take out a bad credit loan such as a payday loan with very high-interest rates.

 

Bad Credit

 

Bad credit should not define who you are knowing full well that life has a way of throwing us off the balance with unexpected occurrences that can affect one’s financial plans and make individuals become cash trapped.

 

Credit Score and the Highest Credit Score Possible

 

Let’s quickly take some time to explain the credit score and what the perfect credit score means. Credit scores are broken into ranges such as poor, fair, good, very good, and excellent. We take a look at each of the ranges.

 

  • Poor Credit Score: A poor credit score below 580.

 

  • Fair Credit Score: A fair credit score is a score between 580 and 669.

 

  • Good Credit Score: A good credit score is a score between 670 to 739.

 

  • Very Good Credit Score: A very good credit score is anything between 740 and 799. This range is just good enough to put you in a good position to negotiate favorable deals when you need to take out loans.

 

  • Excellent Credit Score: An excellent credit score is any score from 800 and above. With this can of the score, you can get the best interest rates and negotiate favorable terms when you wish to get a loan. Even banks would be happy to lend you money because they will see you as a low-risk borrower.

 

However, the good news here is that despite your bad credit, there are still ways out to ensure you move to a new city without any difficulty. We will be providing you with some of the important tips that can help you move seamlessly to a new city regardless of your bad credit.

 

Best tips to move to a new city with bad credit

 

Below are some of the important tips that can help you to move to a new city even with your bad credit.

 

Avoid moving at peak periods

 

One way to cut your moving cost if you are working on a lean budget is to avoid moving during the peak period. The best time to move is during the off-peak period (early fall and winter) to save more on your moving cost. The off-peak period is usually before the start of a school year, this falls between September and April; moving demand during this period is on the low. Another advantage of moving during off-peak season is that rent at this time is cheaper and more affordable as there are fewer demands for homes and landlords are eager to cash in on rent. If you can save enough on your moving costs, you will have enough cash left to fix your credit.

 

Rent first and buy later

 

Rent is an ideal idea since it is not always easy to get a mortgage with bad credit. Renting first before buying a home, will give you more flexibility, it will also make it easier for you to relocate to a new city if things do not work for you. Budget enough for utility bills as these bills are not included in your rent.

 

Get recycled boxes

 

You can buy recycled boxes to package your belongings, used or recycled boxes are cheaper and will not cost you much. You can even sell the boxes once you have finished using them. You can also get these boxes free of charge by asking friends and families who recently moved or who may have boxes they no longer need. Other places to source for boxes include stores, bookstores, and pharmaceutical shops among others.

 

Get rid of items you no longer need

 

As you prepare and pack items to be moved, look out for items that can be additional luggage that will be of no use to you in your new home. Get rid of these items. Doing this will reduce the volume of items to be moved and you will be able to safe enough money in the process. The more items you can get rid of, the lower your moving cost.

 

Transfer your balance to reduce interest

 

This is one easy way to improve your bad credit. There are some credit card companies that offer 0% interest rate if you transfer credit from one of your accounts to theirs. Doing this will drastically reduce your interest and you will be able to make monthly payments without much difficulty. This system works for both small and large debts.

 

Pay more than the minimum balance on your credit

 

One sure way to get rid of your bad credit is to pay off your debts. In order to take a big step towards paying off your debts, consider paying more than the minimum balance on your credit card statements every month. If you do this on a regular, you will pay off your debts in no time and you will become creditworthy faster than you can ever imagine.

 

Ask for Help

 

Do not hesitate to call on your friends and family members who can help you with packing and loading on your move date, this can go a long way in saving you moving costs. Just give them a direction on how you want the job to be done and offer little incentives in the form of light refreshment.

 

Use a co-signer

 

If you want to find your way around paying high-security deposits when you want to move, you can ask a relative or a close friend with good credit to cosign. Your cosigner will be held liable for the debt if you are unable to pay off the debt. Having someone as a co-sign can help you in easily getting financial aid and also put you on a good negotiating stand.

 

Find privately owned apartments

 

Houses managed by professional management companies will carry out credit checks and with your bad credit, you might not stand a chance in this kind of scenario. Hence, the ideal thing to do is to source for privately owned apartments s that you can bypass certain stages of scrutiny that you might undergo if you go for houses managed by professional management companies. You can check local classified ads for apartments that offer flexible credit terms. When you apply to rent a house from private owners, they can understand your situation better and thus offer you more flexible terms that can accommodate your lean budget. While looking for a house to rent, avoid renting through real estate companies because they have minimum credit score requirements.

 

Get movers with flexible payment plans

 

If you are unable to finance your moving expenses, you can look for movers that offer flexible payment plans over a period of time. Use their moving cost calculator to see how much you will incur over a period of time. Although, most of these moving companies will require a minimum down payment, and you can spread the remaining payment over time by agreeing to an automatic draft monthly payment from your bank account. You can also skip hiring a mover by renting a truck but you will have to do the packing and loading by yourself. You will arrange all logistics in transporting your belongings to your new home in this case. In this case, you will only need to pay for the truck and the gas.

 

Frequently Asked Questions

 

  1. Why would my credit even matter when I’m moving?

 

You want to be certain that you’re able to get into the home or apartment that you want to live in. On top of that, you are also going to need to work out some sort of contract or payment plan with your moving company. In both situations, your credit score may be explored, and if it’s not good, you may have a harder time getting the resources you need.

 

  1. How can I fix my credit?

 

There are credit counselors that can help you to sort out everything about your credit and help you to put together a plan that will fix it. Paying off credit, catching up on bills, and other positive financial interactions can also help with your credit score.

 

  1. Are there home loans for people with bad credit?

 

Absolutely. There are a number of different companies out there who are willing to work with you, even if your credit score isn’t as good as it could be otherwise. You’ll have to research a little in order to figure out which ones you’re eligible for and if they’re right for your purposes and the house that you’re thinking about purchasing.

 

Conclusion

 

Just because your credit isn’t great doesn’t mean that you can’t find a great apartment or take care of your moving needs properly. Look into the options we’ve discussed here, work with friends and family members, and get ready for the move that is going to change your life and future.

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How to Move to a New City Even with Bad Credit

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    How much can you get done in an hour? Now, how much moving can you get done in an hour?

     

    The answer is, probably not much by yourself, but when you hire movers for an hour, that extra set of hands can do a lot of good.

     

    Moving is one of the few chores that should not be handled alone. The more help you can enlist, or in this case, hire, the better. Some people are intimidated by the idea of hiring professional movers, but you shouldn’t be.

     

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    How much do movers charge per hour?

     

    Movers do charge per hour. However, keep in mind that what might take you six hours to complete, should only take the professionals three or so.

     

    Typically at least two movers will be assigned to your job at a time. Just imagine one mover trying to lift up your sectional couch, and then it will make sense why you need at least two. Although, this doesn’t mean that you’re paying for both their hourly wage. When researching what moving company to choose, be sure to read the fine print whether you are paying one flat rate hourly, or paying per hour, per mover.

     

    Another factor to consider when it comes to hourly rate is whether you are paying with or without the moving truck. Without the moving truck means you are paying for labor alone which might be cheaper. Two movers with a truck might be $90 to $120 per hour, while two movers for labor only might be $60 to $80 per hour.

     

    These rates will also vary depending on what city you live in. They can also be negotiated. The only thing that won’t change is that whether the movers are driving, wrapping, or unloading, the same hourly rate applies.

     

    And don’t forget the hourly tip. It is important to tip your movers at least $5 per mover, per hour, which equals approximately 10 to 15%.

     

    If this still sounds like a lot, here’s the national average on how your professional movers break it down:

     

    • 2 movers with 1 truck: $100 per hour
    • 3 movers with 1 truck: $145 per hour
    • 4 movers with 1 truck: $190 per hour
    • 4 movers with 2 trucks: $200 per hour

     

    Remember- $200 for one hour might seem like a lot, but with 4 movers, it might only take them one hour.

     

    Can you hire movers to move one item?

     

    There’s moving and then there’s moving. Whether you’re transporting just one item or several, it’s still just called moving.

     

    Several people assume that movers are only hired when there are several items to be moved, but the truth is, movers are hired all the time to simply move one item. Not to mention, this will significantly cut down on your cost per hour. Just think: how else are you going to be able to move that family heirloom grand piano without a little help?

     

    The important thing to remember is that movers are there for your leisure. Just need help loading? A mover can do that. Only need help packing? A mover can do that.  Only got one item to move? A mover can do that too.

     

    Movers are available for your every need, even if you only have one. Just keep in mind that there are certain items that movers just can’t move; whether singular, plural or otherwise.

     

    These forbidden items include hazardous material, perishable foods, pets and plants, and irreplaceable items overall. It makes sense why movers are unable to move even these singular items.

     

    Some can be a danger to the movers themselves, such as hazardous materials. While others, like prized possessions and other irreplaceable items, could be a detriment to you if anything happens to them. For these types of items, just handle it yourself.

     

    No matter the quantity or size of what you need moved, just remember that movers are there to get whatever job you need, done.

     

    How much should I pay someone to help move?

     

    When it comes to moving, it’s important to define what you mean by ‘someone’. If you’re paying your friend to help you move, the answer is pizza. If you’re paying a professional, then there are several different ways that you may pay.

     

    • Family: You know your family better than anyone, so knowing what they expect to be paid is all based on you. Some family members might expect nothing, others a favor in return, or some, maybe just a family dinner.

     

    • Friends: Like family, your friends should be mostly easy to please. When it comes to paying friends, consider less money and more food. Friends are always down to help for pizza and beer, and maybe even just a little gas money.

     

    • Personal ad/services: If you have come across a personal ad, on Facebook, on Craigslist, or just in the newspaper, this might be a very cost-effective and reliable method for you. Just make sure you can perform some sort of background check to make sure their trustworthy. Typically you can pay these personal ads around $20 to $25 an hour, which saves you quite a bit of cash.

     

    • Professional moving company: Of course your safest and most effective bet is always to hire a professional moving company. These companies will charge anywhere from $60 to $120 per hour, but you’ll be more than satisfied with the way you and your stuff are treated; with professionalism and care.

     

    Now that you know some of the ways to pay to help you move, just make sure you’re paying the right way. Any professional or ad service workers deserve to be tipped, so never take advantage of their help and professionalism.

     

    Is it worth it to hire movers?

     

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    1. Increase efficiency- If you’re not a packing professional, moving is like navigating a maze, in the dark, with no idea where the final destination is. It’s difficult to decide where to start? How to fit everything? And not to mention loading the truck is like playing the ultimate game of Tetris. Professional movers, however, are significantly more efficient because they’re pros. Let them do the heavy lifting and tedious packing, while you can focus on other things.

     

    1. Provide safety- Whereas if you move, you might be the only one responsible for your things, hiring professional movers might actually increase the safety and security of your belongings. You may purchase liability and other coverage, which is like having a backup plan for when things go wrong.

     

    1. Ease the process- Moving yourself can take weeks, months, and then when it’s finally moving day, you’re still not ready. Hiring professional movers can seriously ease your mind and ease the process. They will think of everything from the inventory list to the fastest route from point A to point B.

     

    1. Save time- Time is money, right? So why waste your time and therefore your money, by packing inefficiently yourself? With the help of professional movers you will feel like you’re saving money by how much you’re saving time. You can even get more things done at once since they’ll be packing and you can do well- everything else.

     

    1. And hey, the estimate is free- The best part about using professional movers is that the estimate is free. Get as many movers as you would like to come to see what you have inside your home, estimate how far you have to travel, and give you the best quote. You can compare quotes and even negotiate them, all before ever spending a dime.

     

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    1. Define Your Budget: Before commencing the whole moving process, try as much as possible to define what you budget for the move, that way you will be able to monitor your expenses and easily know when a task is about gulping more than you budgeted.
    2. Request quotes from Different Moving company: Get quotes from moving companies, invite each of them over if possible so that they can have a good idea of the task at hand. Compare the quotes and decide which of the moving companies has a fair rate and is capable of delivering top-quality services. Trying to get a cheap company to handle your moving task should not mean lowering standard or quality of service so you have to ensure you are getting a fair rate with the possibility of being well-served at the same time.
    3. Get Rid of Trash: avoid moving items that you will not need in your new home as they will add to the weight of your belongings and thereby increase the moving rate. If you don’t need an item do not pay to move it. Getting rid of all clutters will go a long way in simplifying your task and lighten up the load you will be moving. You can give out items that you no longer need to friends and families or sell them.
    4. Do not Schedule your move During Peak Season: The timing of your move has an effect on how much you will be charged. Most people move during the summer and the demand at this time is high and will eventually cause a surge in moving price. The best period of the year to move is between October and April, if it is possible to schedule your move during this period, then it will help you to save some money as you will be paying less. Also, try not to move during the holidays or weekends and the end and the beginning of the month.
    5. Avoid the Middle Man: Do not hire the services of a moving company through an agent, third party or outsourcing company. Engaging a moving company directly by yourself will save you some cash, all you need to do is to do thorough research on which of the available companies will best suit your moving needs.
    6. Avoid Buying Packing Supplies: Search and for packing supplies from friends and families so that you don’t have to pay extra cash for them when you can get the supplies for free. Except for tape, every other item you need for packing can be gotten at no cost. You can get boxes from supermarkets, craigslist, and liquor stores among others. Use what you have in addition to what you can source for packing.
    7. Defrost the Freezer and Fridge: If you will be moving your freezer or fridge, make sure you defrost it ahead of time.
    8. Rent a Truck for a DIY move: If you plan to do the whole moving task by yourself, then you may have to request for help from families and friends who can help with packing, sorting, loading, and unloading. In this case, you will need to rent a truck yourself and transport your belongings to your new home.
    9. Ask Questions About Hidden Charges: Do not make assumptions, ask your moving company id there are any hidden charges. Ask if they will charge for repacking, heavy items, and the rate they charge per stairs.
    10. Get Portable Storage: Source for companies that will safely deliver a storage unit to your new apartment. This will help you save some money because you can do the packing by yourself, while your mover picks up the unit and deliver to your preferred location.

     

    All the tips discussed above can go a long way in helping you save so much on the cost and expenses needed to move your belongings either locally or across long distances. However, you should not sacrifice quality at the altar of getting cheap moving services. Make sure the moving company you are engaging is insured, secured, and licensed s that you will not go with the wrong company that will make you have a torrid moving experience.

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