When you apply to a rental property, a potential landlord will perform a tenant screening, which includes your rental history. This includes information like your rent payment history, your dates of occupancy at each rental, and any positive or negative comments made by your previous landlords. Keep reading to learn how to check your rental history, correct any mistakes in your report, and more.
Checking Your Own Rental History
Request a report from a consumer reporting company like Experian RentBureau or TransUnion SmartMove . Each company can give you 1 free report every 12 months. Make sure the previous addresses, landlords’ names and contact information, rental rates, and occupancy dates on your rental history are correct.
Steps
Disputing Errors on Your Rental History Report
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Make sure your rental history report is accurate. Before any potential landlords see your rental history report, make sure all your previous addresses, landlords’ names and contact information, rental properties’ prices, and occupancy dates are correct. [7] X Trustworthy Source US Consumer Financial Protection Bureau U.S. government agency for protecting consumers in the financial sector Go to source
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Write a dispute letter if you find an error in your report. Explain what is incorrect and why, and include copies of documents that support your dispute. You can use this dispute letter template as a guide. [8] X Trustworthy Source US Consumer Financial Protection Bureau U.S. government agency for protecting consumers in the financial sector Go to source If you don’t want to file a dispute, some companies allow you to add a note about the error and any supporting documentation that will be available when others request your report.
- Your contact information , including your complete name, address, and telephone number.
- Your credit report confirmation number, if available.
- Every error you’d like fixed , including the account number for any account you may be disputing.
- A clear explanation of why you’re disputing the information.
- A written request that the information be removed or corrected.
- A copy of the portion of your credit report that contains the disputed items , with the disputed items circled or highlighted.
- Copies of the documents that support your dispute (such as past leases, credit reports, account numbers, or payment receipts).
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Send any disputes to the appropriate consumer reporting company. Send your dispute letter and any relevant documentation to the consumer reporting company online, by mail, or by fax. The reporting company will investigate your dispute, forward your documentation to the bank, landlord, or credit card company that made the error, and report the results to you. [9] X Trustworthy Source US Consumer Financial Protection Bureau U.S. government agency for protecting consumers in the financial sector Go to source
- If the dispute is approved, the company that made the error will notify you and all consumer reporting companies. The reporting companies will update their reports. [10] X Trustworthy Source US Consumer Financial Protection Bureau U.S. government agency for protecting consumers in the financial sector Go to source
- If the consumer reporting company and the bank, landlord, or credit card company believe their information is accurate, they’ll notify you and leave your rental history report as-is.
Expert Q&A
Tips
- If you’re a landlord, call the prospective tenant’s previous landlords and ask about their rental history or conduct a full tenant screening through one of the consumer reporting companies. [40] X Research sourceThanks
References
- ↑ https://consumer.ftc.gov/articles/free-credit-reports
- ↑ https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/?title=&categories=tenant-screening
- ↑ https://www.consumerfinance.gov/ask-cfpb/will-requesting-my-credit-report-hurt-my-credit-score-en-1229/
- ↑ https://www.consumer-action.org/helpdesk/articles/tenant_reports
- ↑ https://www.consumer-action.org/helpdesk/articles/tenant_reports
- ↑ https://www.consumerfinance.gov/ask-cfpb/what-is-a-tenant-screening-report-en-2102/
- ↑ https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
- ↑ https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
- ↑ https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
- ↑ https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
- ↑ https://www.consumer-action.org/news/articles/tenant-screening-reports-summer-2021
- ↑ https://www.housinglink.org/HousingResources/housingtips/RentalHistory
- ↑ https://www.equalhousing.org/wp-content/uploads/2024/05/Tenant-Resposibilities-Flyer-FINAL.pdf
- ↑ https://www.phoenix.gov/nsdsite/documents/tenants%20rights%20handbook%20aug%2016%202016.pdf
- ↑ https://www.consumer-action.org/news/articles/tenant-screening-reports-summer-2021
- ↑ https://www.housinglink.org/HousingResources/housingtips/RentalHistory
- ↑ https://www.consumer-action.org/news/articles/tenant-screening-reports-summer-2021
- ↑ https://www.consumer-action.org/news/articles/tenant-screening-reports-summer-2021
- ↑ https://tenantsunion.org/rights/tenant-screening
- ↑ https://tenantsunion.org/rights/tenant-screening
- ↑ https://tenantsunion.org/rights/tenant-screening
- ↑ https://tenantsunion.org/rights/tenant-screening
- ↑ https://www.usa.gov/credit-reports
- ↑ https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/
- ↑ https://www.moneymanagement.org/blog/how-to-rent-when-you-have-bad-credit
- ↑ https://tenantsunion.org/rights/tenant-screening
- ↑ https://www.consumerfinance.gov/rules-policy/tenant-background-checks/review-your-rental-background-check/
- ↑ https://www.mass.gov/expunge-your-criminal-record
- ↑ https://www.consumerfinance.gov/rules-policy/tenant-background-checks/review-your-rental-background-check/
- ↑ https://tenantsunion.org/rights/tenant-screening
- ↑ https://tenantsunion.org/rights/tenant-screening
- ↑ https://tenantsunion.org/rights/tenant-screening
- ↑ https://www.consumerfinance.gov/rules-policy/tenant-background-checks/review-your-rental-background-check/
- ↑ https://www.moneymanagement.org/blog/should-you-add-your-rental-history-to-your-credit-report
- ↑ https://upsolve.org/learn/self-reporting-to-the-credit-bureaus/
- ↑ https://www.moneymanagement.org/blog/how-to-build-credit-with-alternative-data
- ↑ https://www.moneymanagement.org/blog/should-you-add-your-rental-history-to-your-credit-report
- ↑ https://www.moneymanagement.org/blog/should-you-add-your-rental-history-to-your-credit-report
- ↑ https://www.moneymanagement.org/blog/should-you-add-your-rental-history-to-your-credit-report
- ↑ https://www.mysmartmove.com/blog/how-to-check-rental-history