I lived in CBS for a few years, then Carlsbad, and now Carmel Valley, so I know the traffic. I work in UTC, and with the bypass, it’s a 10 minute commute, parking lot to garage(12 if there’s traffic). The farther north you go will add to that:
Going north:
Having to do merge #2 (Del Mar Heights – Via Del La Valle will probably add another 10-15 minutes to your commute. Going to CBS will add another 5-10 to that depending on traffic. So you’re looking at about 30 mins to CBS give or take 5.
Going south:
The traffic begins to speed up about CBS, so going to work will be a breeze anywhere up to about Mid Encinitas.
As far as the BK, I don’t think most private renters ever run credit, but I’m sure some do. I know my landlord in Carlsbad did, but that’s the only time they ever did, cause I run my credit every year for free at the ONLY site that offers this: http://www.annualcreditreport.com (this is the government mandated site)
