Provide your own credit report for an apartment rental?

[Anonymous]

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.

[HeavenOhio]

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@Anonymous wrote:

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

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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.

[Anonymous]

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.     

[masscredit]

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.