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How to Ace Your Rental Application: Doing a Background Check on Yourself

So, you’ve found the perfect apartment. It’s got the right light, the right neighborhood vibes, and maybe even a balcony big enough for your dreams (and a small grill). But before you start mentally arranging your furniture, there’s that pesky hurdle: the rental application. Don’t just cross your fingers and hope for the best. Take control! The savvy renter proactively conducts a background check on themselves. This article will show you exactly how.

The Lowdown: Checking Yourself Out Before the Landlord Does

The simplest answer is this: to perform a rental background check on yourself, you essentially mirror the process a landlord would use. This involves ordering your credit report, reviewing your criminal history (if any), and gathering information on your rental history, including contacting previous landlords. Let’s break that down further.

Diving Deeper: The Essential Steps

Step 1: Obtain Your Credit Report

Your credit score is a huge factor in a landlord’s decision. They want to see you’re responsible with money and can pay rent on time.

Where to Get It: You’re entitled to a free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once a year through AnnualCreditReport.com. This is the official website, so avoid any imposters.
What to Look For: Review your report carefully. Check for any inaccuracies, such as incorrect accounts, late payments you don’t recognize, or even identity theft.
Dispute Errors: If you find errors, dispute them directly with the credit bureau. This can take time (usually 30-45 days), so start early.

Step 2: Delve into Your Criminal History (If Applicable)

Landlords often run a criminal background check to ensure the safety of their tenants. Even if you think you have a clean record, it’s wise to check.

How to Check: You can often access your criminal record through your state’s court system or department of public safety. Some states offer online portals, while others require a visit to the courthouse.
Be Prepared: If you do have a criminal record, be prepared to address it honestly with the landlord. Explain the circumstances and highlight any rehabilitation efforts you’ve made. Transparency is key.

Step 3: Reconstruct Your Rental History

A positive rental history is gold. Landlords want to know you’ve been a good tenant in the past.

Compile Your Information: Gather the names and contact information of your previous landlords (going back 3-5 years is usually sufficient).
Prepare Your References: Contact your former landlords to let them know they might be contacted. Briefly remind them of your tenancy and what you believe they can say positively about you.
Address Potential Negatives: If you had any issues with previous landlords (late payments, noise complaints, etc.), be prepared to explain them to the new landlord. Own your mistakes and demonstrate what you’ve learned from them.

Step 4: Check Public Records

Beyond credit reports and criminal history, there are other public records a landlord could potentially access.

Search Online: A simple Google search of your name can reveal a surprising amount of information. Check for any negative articles or mentions that might be relevant to a landlord.
Court Records: Depending on your state, you might be able to access court records online to see if you’ve been involved in any lawsuits or evictions.

Step 5: Consider Using a Tenant Screening Service

Several tenant screening services allow you to run a background check on yourself and share the results with potential landlords.

Benefits: These services can streamline the process and provide a comprehensive report that includes credit, criminal, and eviction history.
Drawbacks: They typically cost money, and you’ll need to be comfortable sharing your personal information with a third-party company.

Why This Matters: The Power of Proactivity

Taking the time to conduct a rental background check on yourself is an investment in your future. It allows you to:

Identify and correct errors: Catching mistakes on your credit report before a landlord sees them can save you from being denied.
Prepare for difficult conversations: Knowing what’s in your record allows you to address any potential concerns proactively.
Demonstrate responsibility: Landlords appreciate tenants who are organized and take initiative.
Increase your chances of approval: By presenting yourself as a prepared and transparent applicant, you significantly improve your odds of landing your dream apartment.

Frequently Asked Questions (FAQs)

1. How much does it cost to run a background check on myself?

A basic credit report is free annually from each of the major credit bureaus. Criminal background checks vary in cost depending on the state and the specific records you’re requesting. Tenant screening services typically charge a fee, ranging from $30 to $50.

2. How long does it take to get my credit report?

You can access your credit report online instantly through AnnualCreditReport.com. If you order a physical copy by mail, it may take a few weeks to arrive.

3. What credit score is considered “good” for renting?

Generally, a credit score of 670 or higher is considered good and increases your chances of being approved for an apartment. A score above 700 is even better.

4. Can a landlord deny my application based on my credit score?

Yes, landlords can deny your application based on your credit score, provided they follow fair housing laws. They must have a legitimate business reason for the denial and apply the same standards to all applicants.

5. What if I have no credit history?

If you have no credit history, you may need to provide additional documentation, such as bank statements, pay stubs, or a letter of reference from an employer or previous landlord. You might also consider getting a co-signer.

6. What is considered a serious criminal offense that would disqualify me from renting?

Serious offenses that may disqualify you from renting include violent crimes, drug-related offenses, and crimes involving theft or property damage. Landlords must consider the nature and severity of the offense, as well as the time elapsed since the conviction.

7. Can a landlord discriminate against me based on my race, religion, or national origin?

No, it is illegal for landlords to discriminate against applicants based on race, religion, national origin, sex, familial status, or disability. These are protected classes under the Fair Housing Act.

8. How far back can a landlord check my rental history?

Landlords typically check your rental history for the past 3-5 years.

9. What if I was evicted in the past?

An eviction on your record can make it more difficult to rent. Be prepared to explain the circumstances of the eviction and demonstrate how you’ve learned from the experience. Highlight positive changes you’ve made, such as improving your financial stability or developing better communication skills.

10. Is it legal for a landlord to charge me an application fee?

Yes, it is generally legal for landlords to charge an application fee to cover the cost of running background checks and processing applications. However, some states may have laws regulating the amount of the fee.

11. What documents should I bring with me when applying for an apartment?

You should bring a valid photo ID, proof of income (pay stubs, tax returns), your credit report, and contact information for previous landlords. Having these documents readily available shows you are prepared and organized.

12. What can I do if my rental application is denied?

If your rental application is denied, the landlord is required to provide you with the reason for the denial. If you believe the denial was based on inaccurate information or discrimination, you have the right to dispute it and file a complaint with the appropriate agencies.

By taking these steps, you can arm yourself with knowledge, present yourself in the best possible light, and dramatically increase your chances of securing that perfect rental. Good luck!