If you're looking to rent an apartment in New York City and you have bad credit, using a guarantor is the most common way to get approved for an apartment. I would say: look in Facebook housing groups and Craigslist for sublets.Learn how to find and qualify for places for rent with a bad credit score along with our best advice on improving your credit score. For instance, if the proposed tenant has a poor credit history, is unemployed, etc. The landlord could refuse to sublet. Renting with bad credit or no credit is possible. These tips will help you rent an apartment so you can focus on boosting your credit score. Can I sublet my apartment? You cannot sublet a low-income apartment. The procedure for subleasing is quite complicated.