Free/ low cost Credit reports tenants can pull?

Question

Hi all -  pardon the dupe from the Screening section if you already saw this.  Do you have recommendations for a free or low cost credit history report that I can request of tenants?  Are services like creditkarma comprehensive enough? I don't care as much about credit score vs the details of their history, patterns and bankruptcies, etc.

Michael Bailey · Answer

Bigger Pockets actually offers tenant screening on their site through a trusted partner. There are multiple options available for screening packages; tenant involvement/no tenant involvement, instant reports, hand-compiled reports, and even income verification.

You can find further information by going to Tenant Screening under the Tools tab.

Best of luck to you!

Colleen F. · Answer

@Kadia Lawrence do you not care about background either?  Credit karma only gives credit, no background, no evictions.  you are probably better off accepting something like a zillow app for credit if you do this.

Caroline Gerardo · Answer

Seen lots of cut and pasted creditkarma and freecreditscore that grant the guy with a 540 score an 850.

Jason Allen · Answer

CreditKarma or freecreditscore.com work, or any of the 3 major credit reporting agencies will all give them free reports. Don't accept these directly from tenants, other than possibly as a prescreen, that you later verify with a real background check, which the tenant pays for.

Logan M. · Answer

I have used Rent Spree, simple to use and affordable overall.

Sean Mahoney · Answer

Credit Karma is a great app for working with your own credit. However, in my experience it doesn't show evictions or anything like that. I would not use it for tenanting properties.

Kadia Lawrence · Answer

Thanks for the suggestion.

Kadia Lawrence · Answer

Yes, I was surporised once I signed up for the service that my state was not included. (it also only allows tenants to pay but I was on the fence about that so wasn't a deal breaker.)  Thanks for the tip on zillow cedit

Colleen F. · Answer

@Kadia Lawrence background check is an issue because it is in fine print for many services what states they don't  cover for background checks, have the same issue with MA and NJ not being covered.  If zillow is based off of transunion they probably also don't cover your state but if you are looking just for credit zillow they get to use multiple times over 30 days.

Free/ low cost Credit reports tenants can pull?

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