Thank you for your support, guys...I really appreciate it. :hug:
I also wanted to give ya'll a bit of an update on things.
Basically, today the guy that's leasing out the house we really want (that really beautiful house with the really beautiful view) let us know he understands the situation with our credit...absolutely not a problem. Later on, he called us, said he noticed that we neglected to put down any bank information...then when we explained that it was because we don't HAVE a bank account (due to being overdrawn a few days too long a few years ago), he was SHOCKED, and didn't understand the whole idea of us then being put on something called Chex Systems (which lasts seven years and prevents us from opening ANY other bank accounts). So, I kinda freaked out. I started to feel like it was just like every other situation we've encountered where we just weren't in good enough standing for people to rent to us, and I started to get disheartened...FAST!
So, I talked to some friends that REALLY helped out (for which I thank them PROFUSELY...they changed my whole outlook on this
), and gave me tons of ideas, and the push and encouragement I needed to see that this was NOT the end of this...I still had some fight left in me, and still have a good chance at getting this place...it would just take a bit more work.
Basically, he doesn't find our credit to be a problem...so we're over the largest hump in this. He just wants paperwork to varify our social security numbers and to varify income. The reason I freaked out earlier was mostly because, well, we haven't kept any copies of check payments, and we own our own company, so we use Quickbooks...which he said he couldn't accept, given that anybody can enter anything in and print it out...and be totally false. Also, we're behind on our taxes, so we don't have anything along those lines to show him.
So, we're going to give him copies of our two latest check payments, hoping that's good enough to varify income (they total $11,000), and we also have some forms from last year for our taxes, so he can see those.
We're also gathering all the references we can (both personal and business), and we're going to get them all together and give them to the guy. I found lots of stuff here at home (old welfare cards from when Em was a baby, old insurance cards, an old pay stub from about five years ago, etc.) that have my social security number on them (I'm in the process of ordering a social security card with my new last name on it, and lost my old one some time ago, so I don't have that to give). Danny's giving a copy of his own social security card. We're going to include a copy of our marriage certificate (because all my stuff has my maiden name on it...just covering the bases...not to mention my social security stuff has my maiden name, too and it'll pop up on the credit report...so that'll be good to include). We're also including a few of Danny's old pay stubs.
Basically anything and everything we could find to give him, and we're also going to offer (if credit scores become an issue...they're NOT at this point...it's just that he requested paperwork we didn't have, and I kinda freaked out because of REALLY bad previous experiences) to pay an extra month's worth of rent like Sas has suggested to me in this instance.
So, there ya go! I figure if all that's not good enough for him, then it's just not our place. This is everything we have to give them...so it's just gonna have to be good enough for the place/people that are right for us.
Hugs!
Rosie*