Do landlords look at Equifax or TransUnion?

Asked by: Ryley Breitenberg  |  Last update: February 9, 2022
Score: 5/5 (47 votes)

There are three different credit bureaus a landlord may use to run a credit check -- Equifax, Experian and TransUnion. Credit bureaus may report different information and a landlord can use any or all of the bureaus to get an idea of credit worthiness and financial management.

Which credit report do most landlords use?

“Each landlord is different, but most landlords and property managers look for a credit score above 600,” Fluegge says. FICO® and VantageScore® credit scores typically range from 300 to 850. An applicant with a higher credit score might be considered to have shown a pattern of managing their finances responsibly.

Which credit bureau do landlords use?

Experian®, considered one of the best solutions for tenant screening service providers, is currently the leading credit bureau for incorporating rental history data into credit reports and a top tenant verification service for landlords, property managers and real estate agents.

Do landlords use TransUnion?

With TransUnion SmartMove, a landlord can run a tenant credit check and a criminal background check online, in minutes. By getting better information about potential renters, you'll make better decisions and find Great Tenants.

What credit score do rental properties look for?

When you apply to rent an apartment, you can expect nearly all landlords to run a credit check. As a general rule, you'll want a credit score of 620 or higher to secure a rental.

Why Equifax, Experian, and Transunion Have Different Scores

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What is a bad credit score for renting?

While a FICO credit score from 580-669 is considered fair credit, 620 is often the minimum credit score you'll need to rent an apartment. If your score is lower than 620, it could be more difficult to rent an apartment.

What do landlords look for in a tenant?

Is easy to communicate with and respectful- they are responsive, respond within reasonable time to your calls and messages; are understanding, empathetic and friendly to deal with. 4. They always pay rent on time- they never default on the rent and will let you know if they may be late for some reason. 5.

Does TransUnion show rental history?

We report to TransUnion, so your rental history will be visible on any service that shows you your full TransUnion credit report.

What shows up on a TransUnion background check?

Resident Screening

TransUnion Direct provides key background data, including credit reports, identity verification and now criminal histories.

What does a TransUnion background check show?

The Transunion SmartMove shows credit reports, criminal background checks, national eviction checks, income estimates, and SmartMove's trademarked Resident Score, and once your tenant has completed their part, you will be able to see the results very quickly.

Can landlord check credit history?

Landlords perform credit checks because they want to make sure that a prospective tenant is trustworthy. Some landlords use additional screening tools, like consumer reports, before making rental decisions. ... Your prospective landlord or letting agent must get your permission before running a credit check.

Do private landlords do credit checks?

Credit checks

Your letting agent and some landlords will do a credit check to see if you've had problems paying bills in the past. They must get your permission first. It's less common for private landlords to do credit checks because they can make it take longer to rent out a property.

Does landlord credit check affect credit score?

Can Multiple Credit Checks for Rentals Affect My Credit Score? Since most credit checks for renting are considered soft checks, they won't negatively impact your credit score. ... Regardless of how long your apartment search takes, your credit score should not be impacted by your apartment credit checks.

Is 600 a good credit score to rent an apartment?

Most individuals or companies renting an apartment want credit scores from applicants to be 620 or higher. People with credit scores lower than 620 may indicate a high risk of default on rent owed.

Can I get an apartment with a 580 credit score?

When you have bad credit, getting an apartment lease becomes difficult because landlords may be hesitant to lend you their property if they are concerned that you may not make your payments. But it also depends on how low on the scale your credit score is, as some landlords consider scores between 580-630 acceptable.

Can I get an apartment with a 500 credit score?

In short, yes! A credit score of 500 is low, but it's not insurmountable. It would be best if you planned some extra time for your apartment hunt with scores this low, but you can still rent an apartment. ... With a low credit score in the 500 range, you should expect to pay slightly more for an apartment.

Does TransUnion show evictions?

TransUnion has a database of over 27 million eviction records. Landlords benefit from quick access to records from nearly 700 sources for public criminal and eviction reports. ... And TransUnion research also indicates that prior evictions are highly predictive of future evictions.

How far back does a TransUnion background check go?

Typically, TransUnion will generate reports containing records dating back as far as seven years, although this varies by state and we recommend looking up your specific state's regulations for how far back the Criminal Background check searches.

Does Equifax do background checks?

Verify consumer identity, credit worthiness, criminal history, rental history, employment background, and more in one centralized place with just a few clicks. Reports can even be customized to fit your specific needs and ordered 24/7 from our secure online program.

How do you dispute rental history?

If you have a problem with credit or consumer reporting, such as tenant screening, you can submit a complaint online or by calling (855) 411-CFPB (2372). You may also be able make a complaint to your state consumer protection office.

How do I dispute a TransUnion background check?

What you can do
  1. Phone: 800-230-9376.
  2. Email:
  3. Mail: TransUnion Rental Screening Solutions, Attention: Consumer Dispute Team. PO Box 800, Woodlyn, PA 19094.

What is TransUnion resident score?

ResidentScore assigns a score from 350-850, with 850 being the best score possible. This score is designed to take credit report data into account when determining a tenant's score.

What should not be on a rental application?

According to Fair Housing laws, housing discrimination occurs if you reject a tenant based on their protected class:
  • Race.
  • Religion.
  • Color.
  • National origin.
  • Gender / Gender identity.
  • Familial status.
  • Marital status.
  • Age.

What qualities would be appealing to a landlord?

Before we sidle up to the bar and take a stool, let's check off some of the qualities that we think make a great landlord.
  • Good communication. ...
  • Clear documentation. ...
  • Stay on top of maintenance. ...
  • Provide great customer service. ...
  • Be transparent with past issues. ...
  • Be reasonable with requests. ...
  • Maintain a respectful distance.

What does a landlord want to hear?

Landlords will often accept a recent pay stub showing your current income, the prior year's tax return, or a current bank statement as proof of your ability to pay the rent. If you're about to start a new job, bring a copy of your offer letter reflecting your anticipated start date and income. Financial information.