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Thinking of finding a new apartment or rental property but worried your credit score won’t pass the landlord’s credit check? We’re here to help. It’s very possible to pass a rental check, even if you have a low credit score, so long as you have all your documentation and a reasonable explanation for why the score is what it is. You can also take steps to improve your credit score before applying! Read on for a complete guide to passing rental credit checks, from preparing to apply to getting approved with a low credit score.
Key Points for Passing Credit Checks
- Look up your current credit score and review your credit report. Gather all the documentation needed (including proof of income) before applying.
- If your credit score is low, show landlords you're responsible by explaining why it's low before the credit check and how you plan to raise it.
- Make up for a low credit score and pass the credit check by getting a co-signer, making an advance rent payment, or finding a roommate.
Steps
Expert Q&A
Tips
References
- ↑ https://consumer.ftc.gov/consumer-alerts/2016/11/renting-apartment-be-prepared-background-check
- ↑ https://www.federalreserve.gov/pubs/creditscore/creditscoretips_2.pdf
- ↑ https://consumer.ftc.gov/consumer-alerts/2016/11/renting-apartment-be-prepared-background-check
- ↑ https://england.shelter.org.uk/housing_advice/private_renting/how_to_rent_with_a_poor_credit_history
- ↑ https://www.moneymanagement.org/blog/how-to-rent-when-you-have-bad-credit
- ↑ https://www.moneymanagement.org/blog/how-to-rent-when-you-have-bad-credit
- ↑ https://england.shelter.org.uk/housing_advice/private_renting/how_to_rent_with_a_poor_credit_history
- ↑ https://blogs.pugetsound.edu/econ/2019/05/02/the-economics-of-living-with-roommates/
- ↑ https://www.moneymanagement.org/blog/how-to-rent-when-you-have-bad-credit
- ↑ https://dcba.lacounty.gov/portfolio/rental-agreements-and-leases/
- ↑ https://grad.uchicago.edu/life-at-uchicago/housing/finding-an-apartment/housing-leasing-vocabulary/
- ↑ https://www2.minneapolismn.gov/business-services/licenses-permits-inspections/rental-licenses/renter-protections/renter-screening/
- ↑ https://www.cusocal.org/Learn/Financial-Guidance/Blog/credit-score-to-rent-apartment
- ↑ https://www.federalreserve.gov/pubs/creditscore/creditscoretips_2.pdf
- ↑ https://www.american-apartment-owners-association.org/property-management/tenant-screening/4-red-flags-look-tenant-credit-checks/
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