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Home Credit Scores What Credit Score Do You Need to Rent an Apartment?

What Credit Score Do You Need to Rent an Apartment?

Interior of apartment that requires minimum credit score to rent

At a glance

There’s no universal minimum credit score required to rent an apartment. However, you may have a harder time finding a willing landlord if your score is below 600.

Instantly access your report and discover your credit score from all three credit bureaus.

Checking your score won't hurt your credit.

Written by Jesslyn Firman and Jessica Norris

Reviewed by Victoria Scanlon and Robert Jellison

Dec 9, 2021

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Table of Contents

  1. What is the minimum credit score to rent an apartment?
  2. What do landlords look for when they check my credit?
  3. 7 ways to rent if you have a bad credit score
  4. What if my application is rejected after my credit check?

What is the minimum credit score to rent an apartment?

There’s no minimum credit score required to rent an apartment, legally speaking. Landlords and housing management companies are free to set their own requirements.

Landlord-imposed credit score requirements depend on the person or company you’re renting from, as well as on the state, city, or neighborhood that you plan to live in.

According to a 2020 RentCafe survey, average credit scores varied widely among residents of different cities, ranging from 580 (in Arlington, TX) to 719 (in San Francisco, CA). While these statistics don’t directly reflect the credit score requirements in these cities, they do give some indication of what credit score landlords might expect to see when you apply for a rental.

What’s considered a good credit score for renting?

The two main credit scoring models define a good credit score as one that falls into the following ranges:

  • FICO: 670–739 1
  • VantageScore: 661–780 2

You’ll have a higher chance of being approved as a tenant if you’re within or above these ranges. 3 Conversely, anything below 580 (FICO) or 600 (VantageScore) is generally considered a bad credit score. Although you can still rent an apartment with no credit or bad credit, it’s harder.

What do landlords look for when they check my credit?

When landlords check your credit, they’re looking for evidence that you’ll pay your rent on time. The metrics that they use to do this often vary, but they’ll pay special attention to your payment history—specifically, whether you have any derogatory items like late payments, charge-offs, or collection accounts.

Will landlords check my FICO score or another type of credit score?

Landlords may look at your FICO score, your VantageScore, or another credit score entirely. It ultimately depends on which credit reporting agency they contact.

Equifax will provide your FICO score, Experian will provide your VantageScore, and TransUnion will provide a specially designed “ResidentScore.” 4 5 6

There are also smaller credit-reporting agencies that your landlord might contact, although this is less common.

What else do landlords check?

In addition to looking at your numerical credit score, your landlord might also check the individual items in your credit history to obtain a more complete picture of how you manage your finances. In particular, they might check whether you have a history of unpaid utility bills, bankruptcies, or evictions. (Eviction doesn’t directly affect your credit, but as you’d expect, landlords don’t look kindly on it.)

Tenant screening services, such as the ones offered by Experian, Equifax, and TransUnion, sometimes also provide the following information:

  • Employment history
  • Public records, such as tax liens
  • Rental history information
  • Criminal history

Why do landlords use credit checks?

Landlords run credit checks to find out whether you can make payments reliably and on time. They may use your credit score and credit report as indicators to evaluate your risk as a tenant.

7 ways to rent if you have a bad credit score

If you have a bad credit score, then follow these steps to make yourself more appealing to your prospective landlord.

1. Provide proof of income or savings

One way to reassure your landlord that you’re able to pay your rent is to show them that you have a steady income.

Historically, personal finance experts have advised making sure your rent expenses don’t exceed a third of your income. Depending on your circumstances, this may or may not be feasible, but it’s a good goal to aim for.

If you can’t provide evidence that you’re financially reliable, proof of savings equivalent to several months’ worth of rent might be adequate for some landlords.

2. Pay more upfront

If you have poor credit, landlords may be happier to rent to you if you can provide additional security by paying a larger-than-normal security deposit. You can also try offering to pay several months of rent in advance.

3. Provide references

You may be able to strengthen your rental application by including character references that demonstrate how trustworthy and responsible you are. Letters from past landlords or employers are particularly good for this purpose, although you could also ask friends, former roommates, or other people you know.

4. Provide proof of previous rent payments

If your credit score is low but you’ve always paid your rent on time, then you can show your potential landlord or property management proof of your on-time rent payments for the last 6 months or more. This proof could come in the form of bank statements, canceled checks (which may be available through your bank’s online portal), or other documentation.

5. Consider getting a cosigner

If you have a friend or a family member with good credit, consider asking them to cosign your lease with you. This is a particularly good option if you’re renting for the first time and you have an insufficient credit history.

Bear in mind that your cosigner will be required to pay your rent if you fail to do so. Before committing, carefully consider the implications of cosigning a lease to make sure that it’s the right move for both of you.

6. Look for a landlord who doesn’t check credit

Try searching for apartments advertised by independent landlords who are renting their own properties (as opposed to property management companies).

Independent landlords can use their own discretion when choosing tenants, so they may be more accommodating if they like you. Apartment and building management companies, on the other hand, are unlikely to have such flexible requirements.

7. Find a roommate

Applying to rent a house or apartment with a roommate who has good credit might boost your chances of success.

Moreover, if you move in with someone who has already signed a lease and just wants to fill an empty room, your name might not even need to go on the contract, which also means you might not need to undergo a credit check at all.

Check your credit report before you submit your rental application

You should review your credit report to find out how your credit is doing. This will give you an idea of what you need to do to increase your score. You can go to AnnualCreditReport.com to download free copies of your credit reports from each of the three major bureaus (Experian, Equifax, and TransUnion).

What if my application is rejected after my credit check?

If a landlord rejects your application due to information on your credit report, then they must do the following things in accordance with the Fair Credit Reporting Act: 7

  • Give you notice—orally, in writing, or electronically—that your rental application is being denied as a result of information in your credit reports (note that they don’t have to tell you exactly what information).
  • Send you the contact details of the company that produced the credit report (e.g., Experian, TransUnion, or Equifax).
  • Tell you about your right to fix any inaccurate information and to request a free copy of your credit report, which you must do within 60 days of the landlord’s decision.

As mentioned, if your application is unsuccessful, then you can always try looking for another apartment with a landlord who doesn’t run credit checks, although this will narrow down your options.

In the meantime, it’s a good idea to take some steps to improve your credit score to make life easier in the future.

How to improve your credit score

Here are some methods you can use to fix your credit before applying for your next apartment:

  • Monitor your credit reports: Check your credit report for inaccurate information that might be hurting your score (e.g., late payments, charge-offs, or other negative information that shouldn’t be there), then dispute these errors with the credit bureaus and the listed creditor.
  • Keep on top of your bills: In the months leading up to your next move, take extra care to pay all your bills on time to maintain a positive payment history.
  • Get credit for your rent and bill payments: Although you could indirectly build credit by paying rent by making your rent payments with a credit card or loan, it’s much easier to just sign up for a rent-reporting service. You can also use Experian Boost for free to get credit for paying for services like Netflix, cell phone contracts, and utilities.
  • Get current on all your accounts: If you have any past-due bills, pay them off as soon as possible. You may even be able to remove late payments from your credit report by negotiating with your lender for a goodwill deletion or pay for delete.
  • Ask for an increase in your credit limit: Presuming you don’t start spending more, getting a credit increase will boost your credit score by reducing your credit utilization rate (the proportion of your available credit that you’re using).
  • Avoid applying for new credit: Most credit applications trigger hard inquiries, which take a few points off your credit score, and too many may be seen as a red flag by lenders and landlords.
  • Avoid closing old accounts: Old accounts in good standing positively contribute to your credit history, and closing them can hurt your credit. In particular, closing a revolving credit account (such as a credit card account) will probably cause an increase in your credit utilization rate.

Takeaway: Finding an apartment to rent is harder with a low credit score, but it’s possible with the right approach.

  • Landlords often run credit checks to evaluate whether you’ll be a reliable tenant and always pay your rent on time.
  • Getting approved for a rental is easier if you have a good credit score (670+), but landlords differ in their credit score requirements.
  • If you have a low credit score, you’re better off applying to rent from individual landlords than property management companies because they usually have more flexibility.
  • If you don’t meet a landlord’s credit score requirements, give them references from a previous landlord or employer or show them evidence of your income or savings.

Article Sources

  1. myFICO. "What is a FICO® Score?" Retrieved December 10, 2021.
  2. VantageScore. "The Complete Guide to Your VantageScore" Retrieved December 10, 2021.
  3. myFICO. "What Do Landlords Look for in a Credit Check?" Retrieved December 10, 2021.
  4. Equifax. "Resident Screening Services" Retrieved December 10, 2021.
  5. Experian. "Tenant Credit Report" Retrieved December 10, 2021.
  6. TransUnion. "ResidentScore" Retrieved December 10, 2021.
  7. Federal Trade Commission. "Fair Credit Reporting Act" Retrieved December 10, 2021.

Jesslyn Firman

Credit Analyst

View Author

Jesslyn Firman is a credit analyst for FinanceJar. Her work covers credit repair and credit scores, and in the past she's extensively researched and written about the insurance industry. Jesslyn has a B.S. in Finance and Accounting and an MBA in Management.

Jessica Norris

Credit Cards Editor

View Author

Jessica Ginter-Norris writes for FinanceJar. She has previously worked in academic editing, web content editing, and math e-learning content writing. She continues to be involved in various writing and editing projects as well as doing editorial training with the Chartered Institute of Editing and Proofreading.

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