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Frequent Contributor
Posts: 855
Registered: ‎02-07-2017
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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.

Rebuilding credit since 2015 (BK filed 8/14, discharged 12/14) - started out in 570's, now approaching 700 (FICO 6/17:TU 646/EX 678/EQ 677 FICO 8 or 690 NG 2, VS 3.0 6/21/17: TU 686/EX 684/EQ 693)! $951 Cap One secured Platinum/$3000 Cap One Quicksilver/$800 Amazon Prime Store Card/$3300 Discover It/$4000 Overstock Store Card/$1200 Walmart Store Card/$2000 Apple FCU Platinum Visa/$10k PenFed used car loan/$5k Navient student loan. Back in the garden as of 6/21/17 until at least Sept. 2017 unless I get a preapproval I can't refuse...
Established Contributor
Posts: 601
Registered: ‎02-23-2017
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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.

Established Contributor
Posts: 596
Registered: ‎01-15-2017
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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.     

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Valued Contributor
Posts: 1,998
Registered: ‎07-17-2012
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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. 


EQ08 - 738 | TU08 - 745 | EX08 - 746 |

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