Denied rental application. Now what?
May 1, 2014 5:07 AM Subscribe
I applied yesterday for a (residential) rental application and received an adverse action letter saying I was denied because of information used in my credit reports. What options do I have to try and get the application approved?
posted by JJ987E to Work & Money (12 answers total) 1 user marked this as a favorite
The company who ran the check, CoreLogic SafeRent, shows a FICO score of 715 which I understand to not be great but not terrible. I don't see anything outstanding or otherwise out of the ordinary on the credit section, such as missed payments or high amounts of debt % on the cards I have. Additionally, since I am a student and can't afford the entire rent I applied with one of my parents as a co-signer and it shows their FICO score at 741; their app is listed on the 2nd half of the form and they didn't receive an adverse action letter, and it appears that they were approved. Can I use this or provide records of being a reliable tenant over the last couple of years to contest this rental decision?
Real estate company who ran the report is Urban Real Estate in Chicago if that helps at all. Please let me know if I can provide any additional or missing information in this case. Thanks in advance-