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How can a person with really bad credit history rent decent housing?
She can find a landlord that doesn't do credit checks.  Maybe on Craigslist?  She may end up paying more, have a bigger security deposit, etc. She can get someone else (not you) to sit her down and explain to her frankly that she's messing things up for herself and her children by being a poor manager of her finances.  As her credit score improves, more opportunities will open up for her. Co-signing the loan is an option, but I do think you're wise not to do that.