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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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    You’re going to want to spend as much time as you can with your friends and family before your departure, so you might not be thinking about packing up your stuff that much. You know that it is something that needs to be done, but you might be putting it off to do other things.

     

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    When Do You Start Packing Your Things For College?

     

    Once you’ve got that acceptance letter from the college of your dreams, you may be so excited that you don’t even want to pack. While you’ll want to be living it up with your friends and family members before you head out, packing up doesn’t have to be something that takes forever. If you do it right, it can be pretty easy.

     

    • Start a little early

     

    Try and get started on packing up your stuff at least two weeks before your scheduled departure, if you can. This gives you plenty of time to get your stuff in order and decide everything you’d like to take with you. It also gives you plenty of time to decide on how you’re going to be moving your things, whether you choose to use a moving service, or opt to do everything yourself.

     

    • Prepare your checklist before you get started

     

    Decide on the most important things you need to take with you to college, and write them all down in a checklist. This will help you mentally keep track of all the important things you want to bring with you, and will also give you some wiggle room should you decide to bring something else. Using a checklist, you will at least make sure to have all of the essentials with you when you head out.

     

    • If you have the time, go shopping for anything you need

     

    If there is something you need but don’t yet have, then you can use some of this extra time to go shopping. This way, you’ll have everything you need and be prepared when your big move-in day arrives.

     

    If you give yourself plenty of time to get prepared and get all of the essentials together with a checklist, then you will be able to be prepared ahead of time, and still, have plenty of time to enjoy with your friends and family before you head out on your new college journey!

     

    What Do You Need For Move-in Day at College?

     

    What might you need for your big move-in day when you get to college? You’re surely going to want to be getting your dorm set up, maybe getting to know your roommate if you have one. You’ll have all kinds of things to be doing, and worrying about making sure you brought everything you need with you isn’t one of them.

     

    Think of some of the essentials that you’ll need when you get to college. You’ll want to be comfortable and be set up nicely in your new dorm room. Here are some of the biggest essentials you should consider bringing with you.

     

    • Bedding: Get all of your bedding together, such as your sheets, comforters, pillows, quilts, and any other bedding you want to bring with you.

     

    • Shower stuff and toiletries: Make sure you go through your bathroom at home and pack up all of your bathroom supplies and shower stuff, like toilet paper, shampoo, conditioner, bars of soap, skincare products, and anything else you may need.

     

    • Clothes and laundry supplies: Make sure you have plenty of clothes, including sleep clothes and pajamas, along with things like your jackets, pants, shoes, and laundry supplies you might want to bring with you like laundry detergent, fabric softener, and the like.

     

    • Electronics: You’ll want to make sure you have all of your electronics that you plan on taking with you packed up and ready to go. This includes things like your computer, your TV, your video game console, your tablet or e-reader, and your phone supplies like your chargers and headphones or anything else.

     

    • Any decorations you want for your dorm: If you have any décor you want to take with you to decorate your dorm room, then you’ll want to go ahead and pack it up. Things like posters, LED lights, drapes, throw rugs, and any other decorative items you might want to take with you could be included.

     

    • Any school supplies you might need: This could include things like your school textbooks, notebooks, binders, pencils, calculators, pens, rulers, dividers, staplers, highlighters, stationery, whiteout, tape, hole punch, printer paper, and any other school essentials you might need.

     

    • Housewares: You’ll need some housewares for your dorm room, things like pots, pans, dishes, silverware, paper plates, napkins, coffee mugs, skillets, along with any other cookware you may need. You can even get yourself a miniature refrigerator for your dorm room so you can keep your food and drinks nice and cold.

     

    These are some of the essentials that you should be bringing with you during your big move-in day. If you decide on anything else, you can always add it in later on down the line!

     

    How Do You Pack Clothes For College?

     

    When packing clothes, you will want to think minimal. You probably won’t have the biggest closet in your dorm room, and you may end up sharing that space with someone else. This is why the minimalist approach is a good one to take in college.

     

    When packing up your clothes, you can use things like space bags that vacuum seal, enabling you to store a good amount of clothes without taking up much space. Big plastic tubs with tops can also be your friends here, allowing you to fold up several articles of clothing to store away safely.

     

    When packing up your clothes, think of what you normally wear. You will probably also want to throw some workout clothes into the mix if you plan on hitting the gym or going for a jog at any point. Make sure you have some jackets for the colder months and some pajamas for being warm and cozy at night.

     

    To save a little time when packing up your clothes, leave them on their hangers. You can bag them up while they are still on hangers, allowing you to simply remove them from the bag when you get to your dorm and hang them up in your new closet. Talk about convenience and saving time!

     

    Packing up your clothes for college doesn’t have to be all that difficult. While packing in itself can seem like a daunting task, if you know what you want to take with you ahead of time, then going ahead and packing up can be a cinch.

     

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    When you are getting ready to pack up the car, think about how to pack smart. Start with the heaviest items, putting them at the bottom, and working your way up to the lightest items. Make sure fragile items like dishes are wrapped in newspapers or grocery bags and stowed away in boxes or tubs so they will be safe.

     

    Put anything fragile or expensive, such as your electronics, upfront with you if possible. Your computer bag could sit in the passenger seat as long as you don’t have another human passenger riding with you. If you aren’t riding solo, then you should put anything fragile on top of where they can’t easily slide off and get damaged.

     

    If you pack heaviest items to lightest items and sort everything just right, your car should be safely packed up and ready to go. All that is left for you to do now is just drive to college and unpack!

     

    Let the Fun Begin!

     

    People all over the world dream of living the college life. If you have been accepted into your dream college and are getting ready to pack up for your first semester, consider yourself lucky. You are achieving something that people everywhere wish they could, so stand up and be proud.

     

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  • How to Avoid Falling Victim to Fraudulent Movers
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    Moving scams range from the moving company flat out taking off with the load, never to be seen again to holding the customer’s belongings hostage until a ransom is paid.  Others trump up fictional charges that supposedly occurred unexpectedly and refuse to let go of the goods until the customer pays additional fees.  

     

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    • Be sure the moving company is licensed and bonded.  It takes time to validate credentials but it is well worth the trouble.  Most victims of moving scams admit that they did not verify credentials.  If you don’t have the time to fully validate the licenses of a company, a third party moving company will do that for you.  They partner with moving companies and verify each moving company’s credentials since their reputation is at stake should they recommend a fraudulent one.

     

    • Check out the moving company’s reviews.  What other customers say about a company goes a long way.  It isn’t unheard of for moving companies to have fake reviews written for their site, so again, a third party moving service is your best bet.

     

    • Watch for signs of integrity or the lack of it.  Being courteous, friendly, reliable, respectful and professional are traits that the staff of a great moving company should possess.  Honest pricing is a good sign too.  Companies with nothing to hide will have no problem being transparent with their customers.  They will answer all questions to the best of their ability and understand your concerns rather than being aggravated by them.

     

    Make You Move a Great One

     

    Moving is exciting.  Adventures and new beginnings await.  It can be stressful too and for some, it can be a total nightmare.  Avoid getting caught off guard in a moving scam by taking the tips above to heart so your next move can be a great one.

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