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Provide your own credit report for an apartment rental?

Valued 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 5/1/18:TU 664/EX 697/EQ 695 FICO 8 or 682 FICO 9 (Penfed 5/18), VS 3.0 5/30/18: TU 711/EX 709/EQ 705. $71,800 revolving credit as of 3/23/18; $4000 Walmart Store Card, $4500 Discover It, $5000 Discover It #2 (new 3/12), $6000 Cap One Quicksilver MC, $6000 Amazon Prime Store Card, $7000 Apple FCU Platinum Visa, $7000 Penfed Power Cash Rewards Visa, $7300 Overstock Store Card, $10K Cap One QS Rewards Visa Signature, $15K Care Credit, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Resetting the garden clock from 3/12/18...
Message 11 of 14
Community Leader
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
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 - $15,000 / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / JC Penney - $10,000 / Discover IT - $6500 / Barclay Apple Rewards - $5400
Merrick - $2400 - Total - $131,300

EQ - 745 / TU - 741 / EX - 742
Message 14 of 14