u/hersespresso

My fiancé (29M) and I (24F) will be moving in together in Bayonne, New Jersey next month due to him getting a great job offer. We are a few states away currently and both live at home (just got engaged two weeks ago)!

But… I have a 640 credit score, $50k in student debt, and a past eviction four years ago from college (I had to move back home due to a family emergency, switched colleges, it was a horrible time period).

My fiancé, however, has $0 debt, a “perfect” credit score, “perfect” renting history, etc. He makes $175k and I make $80k.

We will be touring many apartments this week (all “luxury” apartment buildings, as is his preference) and I’m so nervous about the application process. He will be the sole signer, as he makes the necessary 3-4x income and will be paying. So we will only be applying with me as an occupant, not applicant.

Should I reach out before touring asking if they do a credit/rental history check on occupants not on the lease? Is that suspicious? How open should I be about my history beforehand? I hate to fall in love with an apartment only to not be able to be approved.

All advice appreciated please, thank you so much.

TLDR; My fiancé has perfect credit, I have history of debt and rental eviction/paid collection. He is solely paying for the apartment. Are the chances high that they deny us even if I’m just an occupant?

My fiance and I are relocating to Bayonne for a new job. We would like to first live in Bayonne before considering Jersey City, as we’re very rural so automatically being in the middle of a city might be a culture shock.

We are looking for a 2 bedroom apartment in the Bayonne area under $3.5k. I know the advice is to not be in a traditional luxe apartment building, but that’s what my fiance wants as he doesn’t want to worry about “odds and ends” (utilities, mail, gym, etc.)

I work remote so that’s why we’re looking at 2 bedrooms.

He will be working along the harbor in Bayonne so we’re not worried about commuting into the city.

So far, we are scheduling tours at the Breton, AQUA, Oliver on the Hudson, BELA and the Bedford, and the Beacon in Jersey City.

Thanks!