Bad credit is bad for everything. You cannot even get a proper loan from the bank if you have bad credit history. Even if you do get a loan from the bank, you will end up paying more on the interest. It is very important to make sure that your credit is back on track as soon as possible. The way to do this is to try and pay off any overdue balances and maintain good financial habits.
When you inquire about an apartment, you may have a better chance to convince the landlord to give you the apartment without a credit check (or if they do a credit check, overlook your negative credit score) if you show up in person and they like you. If you only phone in your request and the landlord doesn't meet you face to face, you are less likely to convince them you are a good renter, even if your credit history is bad.
Individual owners will typically want you to prove your income, so keep this in mind.
Provided you have a stable income (and can prove it to the apartment owner), you may be able to convince the landlord to rent you the apartment. If you don't have a stable job but you have a savings account with a high enough balance (typically, you will want to show you have enough to pay six months to a year of the apartment in your savings).
You may be able to stay individual owners to rent their apartment if you make an offer to move in right away. It's expensive to have an unrented apartment for the landlord, especially if they themselves are paying a mortgage on it. Telling the landlord you will take the apartment and move in right away may just convince them.
When you have all your paperwork if you need pay stubs, w-2 credit check, bank statement, and any other paperwork to get approval we can help.
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