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Provide your own credit report for an apartment rental?

Established Contributor

Re: Provide your own credit report for an apartment rental?

When I moved into my current apartment in December 2013, the lessor did a credit check. I don't remember whether it was HP or SP, but it's long since aged off whichever CRA they pulled if it was a HP (credit card inquiries only stay on the record for two years). Also, most apartment lessors use Vantage Score so I'm not sure those would even show up on the FICO reports.

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 12/1/17:TU 663/EX 697/EQ 688 FICO 8 (Aug 2017) or 680 FICO 9 (Penfed Sep 2017), VS 3.0 12/1/17: TU 699/EX 687/EQ 693. $33.2K revolving credit as of 11/7/17; $951 Cap One secured Platinum MC, $2000 Apple FCU Platinum Visa, $3500 Amazon Prime Store Card, $3500 Walmart Store Card, $3500 Cap One Quicksilver MC, $4000 Care Credit, $4300 Overstock Store Card, $4500 Discover It, $7000 Penfed Power Cash Rewards Visa, $10k PenFed used car loan, $5k Navient student loan. In the garden again from 10/26/17 for at least the next 3 months unless I get a really really good preapproval.
Message 11 of 14
Valued Contributor

Re: Provide your own credit report for an apartment rental?


joe8185 wrote:

Also, most apartment lessors use Vantage Score so I'm not sure those would even show up on the FICO reports.


Scoring models are separate from credit reports. The reports contain information, but they dont' generate scores. Scoring is done based on the reports. Hard pulls will be considered by both FICO and VantageScore.

Message 12 of 14
Valued Contributor

Re: Provide your own credit report for an apartment rental?

In our market the renal agencies pull credit BUT really care about bk, foreclosure and eviction. They pull from several industry specific reports for eviction as these do not show up on a regular credit report here.     

Message 13 of 14
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Valued Contributor

Re: Provide your own credit report for an apartment rental?

I submitted an application for a house rental today. I later received an alert that said there was a new inquiry on my TU report. 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 14 of 14