What Do Landlords Look for in a Credit Check?

Applying for credit isn't the only reason that a business will check your credit. Many landlords conduct credit checks on prospective renters to verify information and check credit worthiness. Some landlords may only consider the credit score without reviewing additional information. Typically, however, a landlord will review your entire report to get an idea of your credit, obligations and payment history.

Former Landlords

Landlords may contact former landlords listed at past addresses in your credit report.

Employers

Landlords may also contact former or current employers found in your credit report.

Payment History

Your payment history may be the first thing a landlord considers. Consistent late payments are a red flag for landlords.

Inquiries

Landlords may also look at inquiries from lenders to get an idea of any future debts you may incur that may interfere with your ability to pay your rent.

Additional Information

Landlords will also look for bankruptcies, judgments, liens and garnishments.

Resources

• What Your Landlord Credit Check Reveals About Your Tenants
• What Landlords Look for in a Credit Check