<prompt> Human: The broker has informed me that my credit cannot cover myself as my own guarantor. Thus, I need someone with 80x 1,650 income. I have asked family and friends but no one is willing or able to do so. What is my best bet? I have two roommates whose parents are covering their share of the rent rent is 5,150 total for the three of us. I found a company online called Insurent that claims to be able to be a guarantor for your lease after filling out an application, but it looks sort of sketchy.Update: I applied for a third party guarantor Insurent and they already responded that i have Derogatory information contained in your credit bureau file. Any idea what this means?Update 2: Spoke to the landlord, and they are just making me give another months rent upfront. Thanks for the help everyone! Assistant: Insurent is a NY-based guarantor company. Its not as sketchy as it seems - they require an additional monthly payment in order to insure your lease. Human: do you know about how much?Assistant: up to 10 of the yearly rent. Its not cheap. Edit: itll probably be an up-front fee, not a monthly fee. Human: I applied and they already responded that i have Derogatory information contained in your credit bureau file. Any idea what this means?  <response>: That means you have serious delinquencies or late payments. more than just an occasional 30 days late, or other severe credit no-nos such as bankruptcy, foreclosure, tax lien, collections, civil judgement, etc. Unfortunately, the company most likely wont guarantee you with those marks.Check creditkarma.com to check out what those derogatory information are. If they are not yours, you can start the process of removing them. But if they are yours, youll have to live with it until they drop of your credit report. In the meantime, start looking for other housing, or inquire about putting down a larger deposit. 