A Tenant Credit Check
For the Rental Industry
- Long-form Credit Report with Credit Score
- Current and Former Addresses
- Employment Confirmation
- Credit History (tradelines)
- Credit Balances, Collections, Bankruptcies
- Inquiries and Aliases
What Does A Credit Check Include?
All the Information You Need, None of the Gimmicks
Canada's first affordable Tenant credit check that includes score, and no hidden fees.
Canada's quickest Tenant credit check, ready in under 5 minutes with zero hassle.
Easy to Understand
Canada's best Tenant credit check, designed to be easy to read for Landlords.
$17.99/Report with a Basic Membership
Trusted By 35,000+ Housing Providers,
With 1,000,000+ Rental Units
Credit Checks For Landlords That Are As Easy As 1, 2, 3
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When to Pull a Credit Check on a Tenant?
The average Tenant credit score is 650, and the odds of getting a responsible tenant exceed 90%. However, when Housing Providers get Renters who pay late repeatedly, miss payments altogether, or damage the property beyond normal wear and tear, it can cost them an average of $11,000 per eviction.
To attract and choose the right Renters, Housing Providers need a thorough, consistent and reliable process to screen prospective new Tenants. Applying FrontLobby’s 7 Tenant Screening best practices can help Housing Providers lower their risk of a costly decision and feel confident about their incoming new Renters. Continue Reading
What is a Rental Credit Check?
A Rental Credit Check is typically used by a Landlord to evaluate a Renters likelihood to pay rent on time. They also reveal whether an applicant owes rent to any previous Housing Providers.
Lending institutions, and Housing Providers, use your credit score to determine your credit worthiness. The idea is that the higher your credit score, the more likely you are to pay your bills. In the lending world, this means it’s easier for you to get a loan, with a lower interest rate. In the world of renting, the higher your score the more favorably you’ll be viewed by Landlords.
What is Included on a Tenant Credit Report?
A Tenant Credit Report includes both credit score as well as an applicant’s financial history. A credit score can be a numerical representation of a person’s credit risk at any given time. A typical credit score ranges from 300-900, and higher scores are viewed as more favorable.
Landlords can find key pieces of financial information by performing a credit check on a Tenant during the Tenant Screening process, including, creditworthiness, typically based on credit score, payment history, outstanding loans, credit cards, or other debts, any accounts in collections as well as any public records, including bankruptcies and consumer proposals.
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We are Canada’s first affordable Tenant credit check that is delivered in under 5 minutes with all the information you need and none of the gimmicks.
Our Credit Checks for Landlords are a long-for Equifax credit report that include score. They also include all the other information you need to choose the right Tenant for your vacancy, you will find current and former addresses, employment confirmation, credit history (tradelines), credit balances, collections, bankruptcies, inquires, aliases and Tenant Records.
Yes, it’s perfectly legal for landlords to perform tenant credit checks on prospective tenants. However, landlords can only perform a credit check with an applicant’s consent. Landlords should be up-front with their requests to perform a credit check and obtain written consent.
To perform a credit check you will need the applicants full legal name, date of birth and current address. If the applicant has lived at their current address for less than 6 months, their previous address should be used. A SIN/SSN number should be added when available, but please note a consumer is not legally required to provide their SIN/SSN on their tenant application. Please enter as much information as possible and double check that everything is typed correctly, as the more information you can provide, the higher probability it is we can find the credit record.
For the most part these terms mean the same thing. You can read all about it in our help center here.
Rental credit checks and Tenant credit checks are identical. Both involve a potential Landlord ordering a copy of the Tenant’s credit report from a credit bureau such as Equifax. The Landlord is looking for information about the Tenant’s credit history and financial status. This information can help them decide whether or not a Tenant is a good candidate for the rental property.
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