Landlord credit check

[EJC]

Do most landlords check your credit score these days? If they do, is that a hard inquiry on my score and it possibly goes down?

[parakleet]

From my experience, yes, they do a credit check. I just apped for an apartment this weekend and I got a SW alert for a HP.

[EJC]

Sorry, new to these discussions - whats a SW and HP?

[llecs]

Welcome to the forums!

Common Abbreviations

SW = ScoreWatch

HP = Hard Pull (e.g. a hard inquiry)

[electra]

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@EJC wrote:

Do most landlords check your credit score these days? If they do, is that a hard inquiry on my score and it possibly goes down?

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Typically, yes, a landlord will want to do a credit check and if they do it themselves it will be a HP which will negatively impact your score.  This is especially bad if you live in an overheated rental market like where I live and chances are you'll have to take multiple pulls before getting a place because of stiff competition.

What I've been able to do is print out a report from myFICO and give them the first few pages instead of having them pull.  You might try that. If you pull it yourself, it's a SP, no impact.

[ezdoesit]

What I've been able to do is print out a report from myFICO and give them the first few pages instead of having them pull.  You might try that. If you pull it yourself, it's a SP, no impact.

Exactly what electra said I have also done this in the past most of the time they don't mind becauce it saves them time also why should a Landlord care it has your name, date of report.  I would try that first and see if they object.

[namvet]

Yes they do credit checks as well as background checks.  I don't think the inquiry will cause any serious damage to your score.

[EJC]

Thanks for the advice - thats a great idea to pull it myself and not get dinged!