Copy of Credit Report
Renter Answers

Rental owners and managers who do a thorough job of screening prospective renters always require one or more credit reports. When you sign the typical rental application, you give them permission to obtain such reports.
        
There are three major credit reporting companies: Experian, Equifax and TransUnion. Sometimes reports from all three are used to evaluate your application.
        
If your rental application is denied due to insufficient or poor credit, you have the right to request a copy of the report from the credit reporting company. The rental owner or manager is required to provide you with the name, address and phone number of every company that issued a report. Usually this information is listed on the form you may receive when your rental application is denied.
        
There is no charge for obtaining the report if your request is received by phone or mail within 60 days of the denial. If you think your denial was based on inaccurate or incomplete information or you have never seen your own credit report, then it is good idea to obtain your own.
        
Almost everyone has one or two blemishes on their credit report, and you don’t need perfect credit to rent at most places. However, if you have serious credit problems, discuss the criteria used by the rental owner or manager to evaluate applicants before you pay the application fee. You may be wasting your money if you don’t meet their minimum standards.