Top Ten Tips for Rental Credit Check Success

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.  

Why Do Landlords Perform Credit Checks?

Because they want to make sure that a prospective tenant is trustworthy.

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Worried about your next rental credit check? Here are ten proactive things you can do to improve your chances of success: 

How Do I Pass a Rental Credit Check?

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Knowledge is power, so order a copy of your credit report from all three bureaus—Equifax, Experian and TransUnion—before you do anything else.

Check Your Credit Report

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Fix Reporting Errors

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.

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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.

Be Honest

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Provide Alternate Proof of Good Credit History

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. 

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