Credit check

Confirm the report, permission and inquiry type

Ask which screening provider and credit-information product will be used, what it contains, and which authorization and identity steps apply. A credit report, a credit score and a complete rental screening package are different things. The requested product may not include every bureau, score or relevant record. Use an authorized process and protect the applicant's information rather than collecting unnecessary documents or sharing a report widely.

The CFPB distinguishes hard and soft inquiries: hard inquiries can affect scores, while soft inquiries do not. Confirm the actual provider's process before describing a rental check as soft. Do not promise that several rental applications receive the same treatment as mortgage or auto-loan rate shopping, or that an inquiry has a fixed score effect.

Check the report date, identity match, account status and any disputed or incomplete information in context. A score alone does not establish current income, affordability or future payment. Apply relevant lawful criteria consistently, review applicable adverse-action duties when report information affects an offer, and give errors an appropriate correction path. The screening-report guide explains a structured review. A provider result does not itself approve or reject an applicant, and Rentari does not guarantee a particular credit outcome.