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Apartment hunting and how my credit score is affected

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rurahrah
New Member

Apartment hunting and how my credit score is affected

I'm currently looking for a new apartment and I'm slightly worried as to how the credit checks will affect my credit score. Being that so many people apply for apartments at the same time I will be putting in about 4 applications over the course of the next few weeks and I'm not sure how these are factored in or how much the realtor/tenant is checking. What are they even looking for when so many people apply for the same apartment?

Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: Apartment hunting and how my credit score is affected

When I was house hunting for a rental, I paid for all 3 of my reports and got all three FICO scores (back when EX still sold them).  I took all of them with me when I inquired about a rental and asked if they would use what I had and not pull my report.

 

They all agreed.

 

Different landlords/managers look for different things.  Some a score is very important, others not so much.  Some will allow NO collections whatsoever, others don't care that much.  What is a show stopper with any of them would be an eviction or still owing money to a previous rental.

Message 2 of 5
Anonymous
Not applicable

Re: Apartment hunting and how my credit score is affected

I just got my tri merge- does this mean that I can use this same report and just give it to realitors?  That would be great, because I just recently read that doing a check like this can actually drop your score by ten or so points.

Message 3 of 5
Anonymous
Not applicable

Re: Apartment hunting and how my credit score is affected

If they will take it I don't see why not.

Message 4 of 5
Anonymous
Not applicable

Re: Apartment hunting and how my credit score is affected

Yeah that's obviously the answer, it will depend on which realitor i pick to go with oh well thx for advice I guess we'll see. 

Message 5 of 5
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