If in fact they are looking at a corporate owned apartment building, or any rental property that may come under the "watchful eye" of HUD....Equal Housing Opportunity states "It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin."
Anyone who publicly advertises they have a property for rent, is subject to this law.
This law protects gays, people with AIDS (it is a "protected class").
Exception to this law are housing developments specifically for people of a certain age...ie. retirement communities.
One of the ways that apartment complexes or property management companies are "propecting" themselves, is through the credit check and references. And by making all individuals living in the dwelling, on the lease, regardless of whether or not they are contributing to the rent monies.
As far as getting a mortgage loan with a bankruptcy, the shortest amount of time after the bankruptcy is 1 year. There are companies who will loan money, however it is at a much higher interest rate. Most companies will allow the borrower to refinance after 12-24 months, though some will require 36 months. They will do the refinance based on payment history, often without any other documentation.
Failure to pay child support, if filed through the court system, never comes off of a credit report. It can be a long term "kiss of death"...on the theory that if a parent will not contribute to a child's well-being, particularly when the support payment failure is documented in the court system....not only is it breaking the law, but basically the parent is considered a "dead beat" and a huge credit risk that a mortgage company is not willing to lend a large sum of money to. If the child support payment goes through the court system, many will report "lates" to the credit bureau's when the payment is more than 30 days late. It is one way the courts try to insure that payments are made. Late child support payments, even when made, will bring down a credit score. I don't know of any reputable lender who will loan money to someone who has "failed to pay child support" on their credit report. Keep in mind, payments not paid through the court system, or a spouse not reporting failure to pay to the court if the payment goes directly to spouse, are not reported to the credit bureau.
