dont bother with the first answer its a pyramid scam
on to the apartment thing. yes there are ways tol get a place. for one not all places offer a credit report. also you can always try making an offer to the complex or ask if they have any special programs. you have nothing to lose by asking.
Twice I pulled out $5000 in 100 dollar bills and got instant lets just by paying deposit and a month in advance (I know, only one problem w. that plan usually!) If you can offer 6 months in advance you can usually get around credit otherwise you need a grown up to co-sign for you!
Agencies that manage apartment complexes do run credit reports, but have your tried locating something owned by a private landlord? They'd be less likely to run a credit report.
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