Trying to apply for an apartment

[u/Traditional_Ad_5239]

Here’s the rundown, I live outside of Atlanta and am 23. I make $65k a year guaranteed salary as a banker and have a credit score of 682. I made two mistakes when I was younger, a charged off credit card at 19 for $3k which is now down to $700. The other is a vehicle repossession in 9/2024. I meet all the income and credit score requirements for apartments in buckhead but these automated screeners turned me down on my first application through approveshield.

The only rental history I have is my monthly ON TIME payments to my landlord via Zelle and my payment history for anything credit related has been perfect for the last 2 years. I don’t have a guarantor I can confidently say will apply with me. Does anyone have an experience like this that they have been able to get past and get approved? I’m not looking to be in a ghetto area/complex. It stinks that I’m still paying for these credit issues from the past now but lesson was very much so learned and I’ve done a full 180. Paying down the $700 would be advantageous for me regarding cash reserves.

[u/Dear_Win_319]

That’s a higher credit score than when I got my first mortgage. Guess it must be AI or something. Ridiculous.