Wednesday, September 5, 2012

Hispanic Renters and Credit Checks

If you are a renter or a landlord, then you know that your credit plays a key role in the process.  As a renter, it is important that you stay on top of your credit score and your past rental history.  A landlord credit check will break down several factors of your past credit history.  They will look at your credit score first. Your credit score needs to be at least above 600 to have a chance at renting a home from an individual.  If your score is below that, then you are better off renting an apartment until your score is brought up.  Credit scores above 700 will pretty much guarantee you a rental unless you have some other red flag.

Other area that landlords look at are criminal records, bankruptcies, foreclosures, and rental history.  If you have a criminal past, then you will need to work on selling yourself to the decision maker.  Depending upon the crime, it can be very difficult to overcome this in the applicant review process.  Bankruptcies are easier to overcome as long as you have a good story for the reason behind it.


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