General Credit Topics

[ptr2593]

 So I recently turned in an app with a company I'm planning to lease an apartment with in May/June.  They say their only requirements are a score of >650 and  income >=3x the monthly rent.  I meet both of those criteria so I'm not worried about getting accepted.  I do have a question though, and I'm sure at least one person here knows the answer

I know that you an ask your lender/your lender is required to give you your score when they pull your report.  Is the same true for a leasing company who, in reality, isn't lending you anything?  At this point I'm not willing to pay for scores/reports, but I do like to get my score for free as often as possible (not really free this time though since there was a $30 app fee).  

So two questions.

1.  Is there any law that requires leasing agencies to provide you with your score/report when they pull it?

2.  If no, has anyone here had any luck requesting their score/report from a leasing ageny?

Thanks!

[pizzadude]

I believe that the requirement to show your score only applies if either you are denied credit - or if you are approved with less favorable terms.

You can always ask the leasing co to show you what they pull, at least they might show your report, even w/o scores. 

I don't see why they would refuse to show it to you ~ it is your information they are pulling, plus the $30 app fee you pay covers their costs.

[cdtotten]

Everyone is different, but around here it is not standard practice to pull your score, only your report. They are more concerned with any past issues of missed rent payments.

[ptr2593]

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cdtotten wrote:

Everyone is different, but around here it is not standard practice to pull your score, only your report. They are more concerned with any past issues of missed rent payments.

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I spoke with one of the leasing agents and she said their only requirements for approval are a 650+ (she didn't know which CRA they pulled) and at an income of 3x the monthly rent.  I'll try to get them to show me my report/score