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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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    There are a whole lot of things to do in Chicago, IL, as Chicago is one of the most visited parts of the United States for tourists because of its many fun and interesting places to visit such as awe-inspiring skyscrapers, lakefronts, beaches, bars, and clubs among others. Chicago is one of the top Midwest cities that several people are moving to from cities like Houston, New York, Boston, Atlanta, Cleveland, Detroit, and St. Louis among others. If you plan to move to Chicago, you can also find movers in Chicago who can get the job done for you the best way possible.

     

    Best Neighborhoods in Chicago, IL

     

    Before we look at the unique things and fun places to be when you move or visit Chicago, let us take a look at the best neighborhoods in Chicago. Although, the choices of the best places one can reside in Chicago can vary depending on a matter of preference as this is subjective and there are over 200 neighborhoods you can live in Chicago. But nevertheless, we will still take a look at some of the top cities you can live or visit in Chicago.

     

    • Lincoln Park: Lincoln Park is one safe place you can live in Chicago and it is often regarded as “Chicago’s first neighborhood to move to” because there are a whole lot of things to do in Lincoln Park. There are lots of sports bars, free zoo, lakes, and easy transportation for newcomers. Due to the high influx of people into this part of Chicago, rent apartment costs are on the high side when compared to what is obtainable in other cities in Chicago.
    • Wicker Park: Wicker Park is one of the best neighborhood for young adults and fast becoming a “hipster mecca” around Chicago. It is home to lots of great restaurants, luxury grocery stores, and the means of transportation across town is excellent. It offers a unique flavor that you might not get elsewhere because of its “Brooklyn” feel.
    • Gold Coast/Old Town: Both Gold Coast and Old Town are popular cities in Chicago and they are an ideal location as it is near downtown and also close to the lake. In addition to this, it is home to plenty of nifty restaurants, shops, it is close to the freeway, with plenty of breathtaking high-rise buildings, and also has a good transportation system.

     

    Unique Things and Places to Visit in Chicago

     

    Unique Things and Places to Visit in Chicago

    There are lots of exciting things and places to visit when you move or visit Chicago. We will take a look at some of these unique things.

     

    1. Art Institute of Chicago: Aside from Paris, the Art Institute of Chicago boasts of the largest collection of impressionist and post-impressionist paintings with over 30 paintings by Monet, van Gogh, Cezanne, and Toulouse-Lautrec. For those who love modern arts, there are modern design and architecture design collections from artists such as Frank Lloyd Wright, Le Corbusier with several models and drawings. The Art Institute also houses other ancient Greek, Roman and Etruscan artifacts, from pottery to coins, glass, jewelry, and mosaics among others.

     

    2. Skydeck: The Skydeck is a 442-meter Willis Tower that was the world’s tallest building for 25 years, and it still ranks among the top 25 tallest buildings in the world. With your Skydeck experience ticket, you can enjoy skipping the line and speeding up to the Skydeck as far as above 412.4 meters on the west side of the loop. On the route to the elevator, there’s a moving showcasing the 45-year history of the Willis Tower and Chicago’s other architectural wonders. The scene is a real delight to behold and you will never have a dull moment navigating through the Skydeck.

     

    3. Millennium Park: The Millennium Park was created to usher in the new millennium, it is located in Grant Park and has since emerged as the most popular tourist attraction in the Midwest. The Millennium Park has spellbinding architecture, bold public art, and other wonderful sceneries such as the world’s largest green roof, McDonald’s Cycle Center, and 11,000 capacity band-shell as conceived by Frank Gehry. The Millennium Park is an exciting place to be as it features several concerts by top recording artists and Chicago Symphony Orchestra from spring to autumn.

     

    4. Chicago Cultural Center: The Chicago Cultural Center used to be the Chicago Public Library. However, in 1991 this Neoclassical building in the loop became the first free municipal cultural center in The United States of America. There are over 1,000 programs and exhibitions that take place here every year and a lot of people come from different places across the globe to come and have fun and interact with people with diverse cultures. At the Chicago Cultural Center, you can enjoy theatre, music, dance, film screening, lectures, and other family-oriented events.

     

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    Aside from the places listed above, there are other places you must visit if you live in Chicago or if you go on holiday to Chicago, these places include Lakefront Trail, Museum of Science and Industry, Garfield Park Conservatory, Magnificent Mile, and Shedd Aquarium among other places.

     

    Whether you plan to move permanently move to Chicago or just visit on holiday, there are lots of things you can do and places you can go for sight-seeing and you will be amazed at the scenes. If you plan to move permanently, you can browse online to get movers in Chicago who can help you with the entire relocation process.

     

    Frequently Asked Questions 

     

    1. Is the cost of living affordable in Chicago?

     

    It used to be much more expensive to live in Chicago than almost any other city. But, nowadays, an individual can live comfortably on a salary of around $60,000 or so. Families will, of course, need more than that, but it’s still reasonable when compared with other cities of similar size.

     

    1. What is considered “Chicagoland?”

     

    It all depends on who you ask. Most people will tell you that it’s Chicago and all of the suburbs around it in Northeastern Illinois. There are some people who will be really generous with their definition of Chicagoland, however; they may also include the Southeast corner of Wisconsin and the Northwest corner of Indiana, as well.

     

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    Chicago has a ton of nicknames. Many people still call it the Windy City, due to the storms that blow through the metropolitan area throughout the year.

     

    In the past, it was called The City of the Big Shoulders because it used to have immense significance during the Industrial Revolution and the age of manufacturing in the United States. While it’s still an important city, its significance has decreased and not many people call it that anymore.

     

    Conclusion

     

    Chicago is a fantastic city, and there are all sorts of things that you can do and enjoy whether you’re just visiting or you’re moving there for good. Look around online or just take a trip around the city and you’re sure to find all sorts of things to have fun with!

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    Tips to Cut Moving Cost and Expenses

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