When you are applying for anything, the important thing is to be honest. Too often applicants omit information, because they are worried about how it will make them look. They don't want to be disqualified for their past mistakes, but they don't realize that those past mistakes don't simply disappear. Being honest and addressing them looks better and gives you an opportunity to explain why it happened and your growth.
Rather you are applying for a mortgage, rental or even a job, the past never stays in the past. A simple background check will reveal everything that you may have thought was wiped clean. It only takes a few key strokes and normally a few minutes to change a potential lender, landlord or employers entire opinion of you. It is one thing to be upfront and offer an explanation, it is another to completely leave out potentially damaging information.
We all have a history and we all have things that we wish we could change from our past. Maybe you were young, weren’t responsible with your bills, accumulated debt and now you are trying to get it under control. You may have had financial issues in the past and was unable to keep up with your rent payments and found yourself in court facing an eviction. Life happens, but you have to face it head on.
There are some situations, not all, when a past mistake won’t automatically keep you from what you’re trying to accomplish. If you attempt to hide these potentially negative marks, you are making it nearly impossible for the other person to take a chance on you. You can show that you’ve made changes, but how can you prove that you won’t repeat your past mistakes when you can’t even be trusted to tell the truth?