@Anonymous wrote:
700 score is irrelevant to renting a house. (Over 20 years of rental poperty ownership).
Yes they will look at your score to make sure it’s not subprime. But they will mostly look at your report. The only thing they are looking for is negatives. Lates, Bankruptcies, Repos, Colletions. How much credit you have is also irrelevant. It only comes into play when they run DTI calculation. Your income is the most important thing in that calc.
oh also they will run a check for evictions and to see if you owe any past landlords any back rent.
As for the card not reporting is it your card or are you an authorized user?
I wish that was the case, but I've literally just lost TWO rentals because my "FICO wasn't high enough". I am renting in a highly competitive market (Bellevue WA), and both of the owners were Chinese, who seem to have a cultural leaning towards " social scoring models".
No collections. No evictions. No bankruptices. I have 2 30-day lates from 2 years ago... but that's it. 11 years of perfect rental history without a single late payment.
The last property manager told me that if I can't break 700, I'm going to have a real problem finding someone who will rent to me.
I even offered 3 months rent as security deposit(!).
Feeling pretty defeated, to be honest.
