How to Look at Your Rental History Report

A rental history report serves as a detailed record of an individual’s past tenancy, providing insights into their behavior as a renter. Landlords and property managers use these reports as a tool during the tenant screening process to assess reliability and make informed decisions about leasing properties. Understanding what information is contained within these reports, and how to access and review them, allows individuals to be prepared when applying for new housing. This proactive approach helps ensure accuracy and reflects favorably on a prospective tenant.

Components of a Rental History Report

A rental history report typically includes various data points that illustrate a tenant’s rental background. These reports often list previous addresses where an individual has resided, along with the dates of tenancy at each location. Information about payment history is a significant component, detailing whether rent was paid on time, if there were any late payments, or if outstanding balances remain.

Reports may also contain records of evictions filed against a tenant, which are considered public records and can significantly impact future housing opportunities. Details regarding lease violations, such as non-compliance with lease terms or noise complaints, can appear on these reports. Any documented property damages or debts owed to previous landlords might be included, offering a comprehensive view of a tenant’s past conduct. Public records, like bankruptcies or judgments, can also be included.

Steps to Access Your Rental History

Accessing your rental history report begins with gathering necessary personal information. You will generally need your full name, current and previous addresses, date of birth, and Social Security Number to request these reports. This information helps consumer reporting agencies verify your identity and locate your records accurately. Having these details ready can streamline the request process.

Major credit bureaus, including Experian, TransUnion, and Equifax, may incorporate some rental payment data into their credit reports, particularly if landlords or third-party services report payments. You can obtain a free copy of your credit report from each of these three bureaus annually by visiting AnnualCreditReport.com. While these reports offer a starting point for reviewing your financial history, they may not provide a complete overview of your rental behavior.

Specialized tenant screening companies compile dedicated rental history reports that offer a more in-depth look at your tenancy. Companies such as Experian RentBureau, LexisNexis, CoreLogic, and TransUnion’s SmartMove are prominent providers of these reports. You can typically request your personal report directly from these agencies through their online portals, by mail, or via phone. It is advisable to inquire with prospective landlords about which specific screening company they use to ensure you obtain the exact report they will review.

Another approach to review your rental history involves directly contacting your previous landlords. They may maintain their own records of your tenancy, including payment timeliness and property condition. When reaching out, be prepared to provide information that verifies your identity and past tenancy details. This direct communication can sometimes offer a more personal account of your rental conduct.

Addressing Inaccuracies in Your Report

After obtaining your rental history report, it is important to review it carefully for any errors, discrepancies, or outdated information. Look for incorrect addresses, inaccurate payment statuses, or evictions that did not occur or were resolved. Identifying these inaccuracies is a crucial first step in protecting your rental prospects.

If you discover an error, you have the right to dispute the inaccurate information with the reporting agency that provided the report. This dispute process often involves submitting a written dispute, clearly identifying each item you are contesting and explaining why you believe it is incorrect. It is beneficial to include supporting documentation, such as payment receipts, lease agreements, or court documents, to substantiate your claim.

The reporting agency is generally required to investigate your dispute within 30 days, though in some circumstances, this period may extend to 45 days. In addition to contacting the reporting agency, it can be helpful to reach out to the original source of the information, such as a former landlord or property management company, to request that they update or correct the details they submitted. Maintaining records of all communications and documentation related to your dispute is important throughout this process.