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.
If you notice any errors on your credit report, challenge them right away. You can dispute mistakes at any of the three main credit bureaus online, via email or by phone.
Honesty is often the best policy—especially if you have bad credit. People with poor credit histories rent homes all the time, so you’re unlikely to fall completely flat. Talk to your potential landlord about your financial history and show them what you’ve done to get back on the credit wagon.
Time to think outside the box. Ask your prospective landlord or letting agency if you can provide your utility payment history or your rental payment record to prove how responsible you are.