How do I get a credit report for a tenant?

Where to Get a Tenant’s Credit Report

1. Equifax (Equifax offers resident/tenant screening services)
2. TransUnion (SmartMove is the name of its tenant screening program), and.
3. Experian (Experian has its own tenant screening services).

Can I get a copy of my credit report from my landlord?

You can get a complimentary copy once every 12 months through www.annualcreditreport.com. Your personal report is also free if you have had adverse action taken, such as not being approved for the apartment lease. You can get a free report if you are or have reason to believe you may be a fraud victim.

Can I ask tenant to pay for credit check?

Your landlord or letting agent shouldn’t force you to pay a fee for a credit check. If they do you can report them to Trading Standards. If you fail a credit check, explain why you think this might have happened. If you know you can pay the rent, tell your landlord or letting agent.

Can I run someone else credit report?

The only way you can legally pull someone else’s credit report is if you have what’s referred to as Permissible Purpose. Permissible Purpose is a term straight from the Fair Credit Reporting Act and it defines the conditions under which a credit reporting agency may furnish a credit report.

Is tenant referencing a legal requirement?

Do All Tenants Need To Be Referenced? Yes. All adult tenants aged 18 and over must be named on the Tenancy Agreement and whether they are contributing financially to a share of the rent, all tenants will be required to have a reference check completed.

What do tenant credit checks look for?

Landlords should conduct credit reference checks on any prospective tenant. This will show you if the tenant pays their bills on time each month and will detail any late or missed payments over the last few years. It will verify whether the tenant has any debt and how much that debt is.

Is there a database for rental history?

The major tenant history sources are: LexisNexis Resident History Report: https://personalreports.lexisnexis.com/index.jsp or 888-497-0011. CoreLogic: http://corelogic.com/downloadable-docs/saferent-consumer-disclosure.pdf or 800-815-8664. RentBureau: www.experian.com/rentbureau/rental-payment.html or 877-704-4519.

Is pulling someone’s credit report illegal?

Can I check my husband’s credit report?

A: No, you can’t check your spouse’s (or ex’s) personal credit reports. In order to request a consumer report on someone else, you must have what’s called a “permissible purpose” under federal law, and marriage or divorce is not one of them. It’s illegal, and it sounds like your divorce is messy enough as it is.

Can tenants provide their own credit report?

Can Tenants Provide Their Own Credit Report? You should never let an applicant furnish their own credit report. There is no federal law prohibiting a landlord from obtaining one as long as the applicant gives permission.

How do I order a credit report for a tenant?

Go to the Experian, TransUnion and Equifax websites one at a time. Find the link for ordering a credit report. Enter the personal information you requested from the tenant. You can order a credit report from just one bureau or all three, and you can pay the fee online with a credit card.

What credit report do landlords use?

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.

What can a landlord see on a credit report?

Any landlord who reports a tenant’s payment history to a credit bureau , will show up on a credit check. Landlords can check a credit report to see if any money is owed to a previous landlord. A landlord can use rental history data to see where a tenant has lived and make inquires concerning those rental agreements.