You’ve found the perfect place to rent and now — gulp! — the property manager tells you all you need to do is fill out an application so she can run a credit check. Whether you’ve got great credit, bad credit, or no credit, it probably makes you a little uneasy: Will there be a problem?

In this guide, you’ll learn all about landlord credit checks, how to prepare yourself for one, and options if your credit isn’t stellar.

When Can a Landlord Check My Credit?

Landlords typically obtain permission to order a prospective renter’s credit report when that person fills out a rental application, though technically written permission isn’t required.

Who Pays for It?

Landlords often pass the cost of credit checks on to tenants in the form of an application fee. Concerned about paying that fee when you’re not sure you’ll be approved? You may not have a choice, but if you do, consider the DIY credit check strategies below.

What’s in These Reports?

Property managers and landlords will often order what are called “tenant screening reports.”  Reports may include any of the following:

• standard credit report
• credit score or credit rating (A-F, for example)
• criminal background check
• sex offender background check
• unlawful detainer and eviction history
• employment verification
• OFAC terrorist search

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