How to Pass a Rental Credit Check [+Tips to Improve Your Credit Score]

how to pass credit check

As of quarter three of 2022, the average credit score in the U.S. is 714. Fortunately, most landlords don’t expect your credit score to be quite high to lease their properties — they generally require around 650. But what do you do if your score is below that number? And how do you even check your credit score and report in the first place?

This article discusses what a credit check is, why it’s important, and how to pass it. Keep reading to snag some tips on renting a property even if you have a lower credit score.

What Is a Rental Credit Check, and Why Is It Necessary?

A credit check is when a landlord or property manager looks at a prospective renter’s credit habits to determine if they want to lease their property to them. They do this because renting a property is a monthly commitment, so they want to ensure their next renter can pay rent on time every month. A credit check looks at the following:

While reviewing, landlords look for information to determine whether you meet their screening criteria. Positive notes are consistent on-time payments, low debt-to-income ratios, and no delinquent accounts. However, negative remarks consist of the following:

How to Pass a Credit Check

Following the steps below will increase your chances of passing a rental credit check.

1. Review Your Credit Score and Report

Checking your credit score before applying to an apartment can help you see where your score is currently. To do this, you can create an Avail Renter Profile to add your residential information and a TransUnion credit report for a one-time fee. The credit report will show your credit score and what’s contributing to it. If your score is below 650, knowing the factors contributing to it can help you explain to the landlord what you’re doing to fix it.

If your credit score is low, that doesn’t necessarily mean your application won’t be accepted, especially if you talk to the landlord about it before applying.

2. Improve Your Credit Score

Building on your credit score before applying for a rental can increase your chances of being accepted.

Quick ways to boost your credit score include the following:

3. Prepare to Apply for the Property

As a renter, you must fill out a rental application and allow the landlord to conduct a background check. This process can take anywhere from hours to days.

Gather all the necessary documentation so you can easily fill out the application. The documents you’ll likely need include the following:

If you have an Avail Renter Profile, as mentioned earlier, you can save time and costs by giving your rental information to the landlord through a shareable link.

Your profile can also contain information about your credit score, background, and eviction history, so you won’t have to pay an application fee for more than one rental property.