My sister has an apartment collections on her report for $1151, date reported 6/1/2003, Type Collection. There are a ton of other collections and a few judgements on her report. Her and her 20 year old son are staying with us right now while I help her get back on her feet and with her credit. They are supposed to be out by Feb 1, 2004. My nephew and her both have good jobs right now and are starting to save some money. Is is possible for them to get an apartment in just HIS name but list her as a roommate who will make payments or will the fact that she'll be part of the application process and her credit report will deny them an apartment? Even is she were to pay off the $1151.00, will her credit score (443) and the other collections, derogatory info on her report be a killer in the app process? Do you have any suggestions for their situation?