"The confidence that I have in who I am and what I want out of life has just bloomed."
How a Divorce Can Leave Someone with “Zero Credit”
Beth had spent years in a long marriage where every bank account and every credit card was in her husband’s name. When that ended, she found herself with something a lot of renters don’t expect to be dealing with: no credit history at all.
That made finding her own place a serious hardship. Landlords wanted proof she could be trusted with a lease, and Beth had no paper trail to offer them.
In the meantime, she was renting a room in a man’s home. It worked at first, but he began asking for more money than she had and making the arrangement harder and harder to live with. When an apartment turned her down because of her lack of credit, it hit hard.
“I thought, well, this is what it’s going to be,” Beth said. She expected no one would take a chance on her and that she’d never have her own space.
How She Got Approved With OneApp
Everything changed once Beth found an apartment that used OneApp Approval Assist.
- The process moved fast — paperwork started the very next day
- She didn’t need an existing credit history to move forward
- She was approved and able to move in shortly after applying
“I was absolutely elated,” she said. “The absolute relief that came from knowing I was going to be in a safe place… it was so overwhelming to know that somebody was on my side.”
Life After Getting Approved
For Beth, this wasn’t just about signing a lease. It was about getting her independence back.
She can come and go as she pleases, cook in her own kitchen, buy her own groceries and know they’ll be there. She sets her own schedule — up when she wants, asleep when she wants — freedoms she says she’d never fully had before.
“The confidence that I have in who I am and what I want out of life has just bloomed,” Beth said. “OneApp allows us to show we can do this, where other places don’t give you that opportunity.”
Who This Is For
Beth’s story will resonate with renters who:
- Have little or no credit history because finances were managed by a spouse or partner
- Are trying to leave an unstable or unsafe living situation
- Have been denied an apartment for reasons that have nothing to do with their ability to pay
- Need someone to give them a real chance