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Applying for a rental goes faster when your paperwork is ready. It also helps to know what landlords may check.
What landlords look at
Many landlords check income, rental history, credit, and sometimes background records. Rules on what they can consider differ by state and city.
Application fees
Some states and cities limit application fees or require landlords to give receipts. Ask what the fee covers before paying.
If you are denied
If a landlord denies you based on a screening report, federal law requires them to tell you and name the company that supplied it. You can get a free copy and dispute errors.
Fair housing
It is illegal to refuse to rent based on race, color, religion, sex, national origin, familial status, or disability. Some places add more protected groups.
Step by step
- Gather ID, pay stubs, and references.
- Check your own credit report for errors.
- Ask the landlord about screening criteria and fees.
- Fill out the application completely and honestly.
- Keep a copy of what you submitted and the receipt.
Helpful tips
- See the unit in person or by live video before paying.
- Never wire money to someone you have not met.
- Be ready to explain past problems briefly.
- Ask how long the decision takes.
- Get any approval and terms in writing.
Common mistakes
- Paying fees for a unit you have not seen
- Leaving blanks on the application
- Not checking your credit first
- Ignoring a denial notice instead of checking the report
Being prepared helps you stand out and protects you from scams.