{"id":800,"date":"2022-05-10T16:55:00","date_gmt":"2022-05-10T16:55:00","guid":{"rendered":"https:\/\/www.prudentialcal.com\/?p=800"},"modified":"2023-08-18T08:56:20","modified_gmt":"2023-08-18T08:56:20","slug":"how-landlords-can-check-a-tenants-credit-report","status":"publish","type":"post","link":"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/","title":{"rendered":"<strong>How Landlords Can Check A Tenants Credit Report<\/strong>"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#What_Is_A_Tenants_Credit_Score\" >What Is A Tenant\u2019s Credit Score?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#800-850_Excellent\" >800-850 Excellent<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#700-799_Very_Good\" >700-799 Very Good<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#650-699_Good\" >650-699 Good<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#600-649_Fair\" >600-649 Fair<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#i\" >&lt;600 Poor<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#Benefits_Of_Tenant_Credit_Score_Check\" >Benefits Of Tenant Credit Score Check<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#1_Detects_Spending_Habits_Of_The_Tenant\" >1. Detects Spending Habits Of The Tenant<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#2_Credit_Profile_Shows_If_Tenants_Pays_Their_Bill_On_Time\" >2. Credit Profile Shows If Tenants Pays Their Bill On Time<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#3_To_Ensure_Tenant_Have_Submitted_Correct_Information\" >3. To Ensure Tenant Have Submitted Correct Information<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#Where_To_Get_Tenants_Credit_Report\" >Where To Get Tenant\u2019s Credit Report?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#What_Other_Information_Landlords_Look_For\" >What Other Information Landlords Look For?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#1_Credit_Usage\" >1. Credit Usage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#2_Previous_Rental_Payment_History\" >2. Previous Rental Payment History<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#3_Income_Verification\" >3. Income Verification<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#4_Overall_Debt\" >4. Overall Debt<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.prudentialcal.com\/how-landlords-can-check-a-tenants-credit-report\/#Legal_Issues_With_Tenants_Credit_Reports\" >Legal Issues With Tenant\u2019s Credit Reports<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A tenant\u2019s credit check is an essential part of screening potential tenants. This helps you make the right choice with the tenant.<\/p>\n\n\n\n<p>Your choice of tenant can mean the difference between dealing with problems like late payments and a stress-free experience where you are able to earn a handsome passive income.<\/p>\n\n\n\n<p>When it gets down to getting the right tenant for the property, there are several ways to access a rental application. But, the most effective way is to request a tenant credit check as a part of the screening process.<\/p>\n\n\n\n<p>Checking the tenant's credit score gives you an idea about the applicant\u2019s financial situation and whether or not you will experience any rent problems in the future.<\/p>\n\n\n\n<p>You want to be transparent about the application process but clearly make the credit score check a part of the application qualifying process.&nbsp;<\/p>\n\n\n\n<p>Check this article to understand how landlords can initiate the tenant\u2019s credit report check and ensure the property is rented to the right person.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_A_Tenants_Credit_Score\"><\/span><strong>What Is A Tenant\u2019s Credit Score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A tenant\u2019s credit score is the information that provides you with an overall understanding of their financial situation. A credit score shows the current address and address history, credit card accounts, account payment history, recent credit and loan application applications, and unpaid debts.<\/p>\n\n\n\n<p>The reports usually go back a week to several years, depending on the applicant\u2019s credit history. The reports will highlight whether they are able to pay up their credit card bills promptly or have accumulated loans in the collection.<\/p>\n\n\n\n<p>In addition, you will be able to see any past history of bankruptcy or foreclosure. This will help you get enough information on the applicant's financial situation.<\/p>\n\n\n\n<p>An individual credit score depends on the following criteria:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Outstanding balances.<\/li>\n\n\n\n<li>Payment history.<\/li>\n\n\n\n<li>Length of credit history.<\/li>\n\n\n\n<li>Application for new credit card accounts.<\/li>\n\n\n\n<li>Types of credit amounts.<\/li>\n<\/ul>\n\n\n\n<p>All these factors combine to form a FICO score from 300 to 850. The scale is quite wide. How can you know that your credit score hits the right mark?<\/p>\n\n\n\n<p>According to the expert, this is how the scale is divided.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"800-850_Excellent\"><\/span><strong>800-850: Excellent<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This is where you would want your credit score to be. This is the absolute best tab where you enjoy the lowest interest rates on loans, credit cards, and lines of credit. Why? Because they have proven themselves to be responsible with their finances.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"700-799_Very_Good\"><\/span><strong>700-799: Very Good<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Even this range of credit scores marks you as an individual responsible financially. People with an in this slab have a history of being responsible for most of their monetary decisions. For example, if an applicant has a credit score on this slab, you can be sure that you are getting your rent on time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"650-699_Good\"><\/span><strong>650-699: Good<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Perhaps this is the last slab you would want to look for in the credit score check. One-fifth of the people fall under this category and often receive competitive interest rates. Before accepting a tenant with such a credit score, explore the other factors and determine its risk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"600-649_Fair\"><\/span><strong>600-649: Fair<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A credit score in this slab is considered risky. This is because individuals with a credit score like this tend to have faced financial problems in the past. Although the financial problem might not have been major, it would still affect the credit score.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"i\"><\/span><strong>&lt;600: Poor<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Below 600 is something that you must avoid at all costs. Individuals with such low scores are the people that have defaulted multiple times. In addition, if someone has filed for bankruptcy, they will have a poor credit score for seven years. If you accept a tenant with a credit score less than 600, you face the risk of late or missed payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Benefits_Of_Tenant_Credit_Score_Check\"><\/span><strong>Benefits Of Tenant Credit Score Check<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>While it is important to check a tenant's credit score, are there any benefits? Let\u2019s look in detail at the benefits of checking the tenant's credit score offers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Detects_Spending_Habits_Of_The_Tenant\"><\/span><strong>1. Detects Spending Habits Of The Tenant<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>There is one way to tell whether someone is good at handling their budget - just look at how many credit cards they own. If they are carrying too many credit cards, they need that many to live their lives.<\/p>\n\n\n\n<p>In fact, even if someone has one credit card, they can be bad with their budget. In that case, just look at their credit utilisation rate. This will tell you just how much they own.<\/p>\n\n\n\n<p>It is crucial to <a href=\"https:\/\/frontlobby.com\/credit-reports\/\">check a tenants credit<\/a> and ensure that they have low balances on credit. If they are maxing out every month, there is a possibility that you might have problems getting rent from time to time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Credit_Profile_Shows_If_Tenants_Pays_Their_Bill_On_Time\"><\/span><strong>2. Credit Profile Shows If Tenants Pays Their Bill On Time<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>A credit score report defines the credit profile. Here in the report, you can see whether the applicant pays all their bills on time.<\/p>\n\n\n\n<p>It is important that you pay close attention to getting the rent on time. If your tenants are late on rent, you might not be able to meet your financial responsibilities.<\/p>\n\n\n\n<p>The tenant\u2019s credit reports help you know whether or not the tenant is responsible for all the bills.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_To_Ensure_Tenant_Have_Submitted_Correct_Information\"><\/span><strong>3. To Ensure Tenant Have Submitted Correct Information<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Once you have the credit score, you need to use the public record information to confirm the details. This is to ensure your tenant has submitted accurate information.<\/p>\n\n\n\n<p>While some information might be wrong, these can be genuine mistakes. However, having too many dispensaries could point to a candidate who has a habit of lying.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Where_To_Get_Tenants_Credit_Report\"><\/span><strong>Where To Get Tenant\u2019s Credit Report?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Being a landlord means you can enjoy primary income at the cost of passive income generation efforts. Though this might be true, it is also true that you need the perfect tenant to pay all their bills on time.<\/p>\n\n\n\n<p>The best way to ensure that you get your rent every month without delay is to seek help from professionals and take their help with the tenant screening process.<\/p>\n\n\n\n<p>However, if you put in a little bit of effort, you can find relevant information from the following platforms.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>FrontLobby.<\/li>\n\n\n\n<li>Experian.<\/li>\n\n\n\n<li>TransUnion.<\/li>\n<\/ul>\n\n\n\n<p>These platforms are among the best and offer all the information a landlord will need. In addition, you can order the reports online and receive them immediately with just a single click.<\/p>\n\n\n\n<p>If you don't want to burden yourself with additional responsibility, you can ask the applicants to attach a credit score report along with their application.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Other_Information_Landlords_Look_For\"><\/span><strong>What Other Information Landlords Look For?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Beyond the credit rating, there are several other factors that you can look for to narrow down the best tenant. In fact, you can use these factors if the credit score is not satisfactory.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Credit_Usage\"><\/span><strong>1. Credit Usage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Every credit has a limit. But, while there is a limit, it doesn\u2019t mean that you have to max it every month. Yes, you can do so. But, what it does is that it doesn\u2019t give you enough room to pay in case of emergencies.<\/p>\n\n\n\n<p>The credit utilisation rate plays an important factor. If this rate is low, it shows that the applicant is not overspending. The best way to maintain a healthy credit score is to use only 30% of the credit limit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Previous_Rental_Payment_History\"><\/span><strong>2. Previous Rental Payment History<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If the tenant is changing location, there is a possibility that they have been a tenant there as well. Checking the credit score report will help you know their previous rental payment history.<\/p>\n\n\n\n<p>The report will highlight the issue where they have been reported for late payments. This will give you an idea of whether the tenant you are about to accept has a late payment habit.<\/p>\n\n\n\n<p>Alternatively, you may also find positive previous rental history.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Income_Verification\"><\/span><strong>3. Income Verification<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Before you accept any tenant, it's important to see whether or not the applicant has sufficient income to afford the rent. There are several ways to verify their income. One of the ways is checking their credit score reports.<\/p>\n\n\n\n<p>Credit score reports give you a clear idea about their current financial standing and how well they manage their finances. And if the tenants are self-employed, you want to look at their profit-loss statements.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Overall_Debt\"><\/span><strong>4. Overall Debt<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Debt is a problem that has become common for almost every individual, especially after the pandemic. Hence, it is important to know what debt your tenant has to see whether or not they will be able to pay rent and other financial obligations.<\/p>\n\n\n\n<p>Just looking at the total debt might not give you a better understanding of their situation, considering what kind of debt they have. This will tell you if an applicant is more likely to be beneficially irresponsible or accrue a reasonable amount of debt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Legal_Issues_With_Tenants_Credit_Reports\"><\/span><strong>Legal Issues With Tenant\u2019s Credit Reports<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Most landlords are afraid to ask for a credit report from their tenants, thinking it is illegal. But, for your information, it is not.<\/p>\n\n\n\n<p>Asking for a tenant's credit score or making it a necessary document for the application is completely legal, as long as you don\u2019t illegally discriminate.<\/p>\n\n\n\n<p>If you are making rules for every tenant to follow, it's legal and you asking for their credit score is legal.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction A tenant\u2019s credit check is an essential part of screening potential tenants. This helps you make the right choice with the tenant. Your choice of tenant can mean the difference between dealing with problems like late payments and a ...<\/p>\n","protected":false},"author":12,"featured_media":801,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54],"tags":[],"class_list":["post-800","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-and-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Landlords Can Check A Tenants Credit Report - Prudential Cal<\/title>\n<meta name=\"description\" content=\"While it is important to check a tenant&#039;s credit score, are there any benefits? 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