I've been very poor for most of my life and could never build credit. I have student loan debt that I haven't paid on because I needed to eat. I finally found a job that pays me a living wage but every fucking landlord is doing credit checks. Like, I have pay stubs that prove I can afford to rent this room but because my credit is terrible I'm sure they're just going to laugh in my face. How the fuck can I fix my credit if I can't even get a stable living situation? So my options if I can't get a room are long-term AirBNBs (WAY more expensive) or continue being homeless.
Is there nobody in your area renting or subletting a room in their house/apartment? I don't think I've ever had a credit check run on me for that kind of situation. It can be less stable, depending on how formal the agreement is, but it isn't necessarily. Or are those just all AirBNBs these days?
Depending on the market, it's AirBNBs lol