Passing a rental credit check doesn’t have to be stressful if you prepare in advance. Before applying for a lease, be sure to check your credit report and fix any errors, gather pay stubs or bank statements to verify your income.
Landlords perform credit checks because they want to make sure that a prospective tenant is trustworthy. Some landlords use additional screening tools, like consumer reports, before making rental decisions.
Knowledge is power, so order a copy of your credit report from all three bureaus—Equifax, Experian and TransUnion—before you do anything else. Thanks to the Fair Credit Reporting Act (FCRA), consumers get one free report from each agency every year.