Adapted From Disability Rights Oregon Fair Housing Handbook by McKenna Lebens and Kathy Wilde
Dear [Apartment Manager/Housing Authority/Landlord]:
I am applying to be a tenant at [address]. I have poor credit history due solely to my disability. My poor credit is the result of hospital bills which I incurred for treatment of my disability.
I am requesting that you modify your rules regarding credit history and disregard my poor credit as a reasonable accommodation under the Fair Housing Act. I am enclosing proof that I have sufficient income to cover rent.
Attached please find documentation from my [(physician, psychiatrist, counselor, social worker, case worker)] verifying the disability-related circumstances which led to my credit history.
Please reply in writing regarding this request for an accommodation within 10 business days. Thank you for your consideration and I look forward to receiving your reply.
[Your Signature] [Your Name]
Optional: “If necessary, I can arrange to have a co-signer on my lease.” You can add this sentence if you have someone with good credit willing to sign with you. If you have a Housing Voucher please check with your Housing Authority to confirm that a co-signer will be allowed.
Thanks for Reading
🌸 Here’s where you can find more about Sample Letters for Exceptions to Credit Checks
🌸 Learn More: The Sleepy Girl Affordable Housing Survival Guide
🌸 Facebook group for people with disabilities and family members: Disability Support & Self Advocacy in HUD & Section 8 Housing
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