What is a landlord allowed to look at on my credit report?

I'm in washington, I want to know what a potential landlord is allowed to look at on my credit report? Are they allowed to look at everything?




What is a landlord allowed to look at on my credit report?
When you sign a lease application you are giving the leasing agent/landlord/management co. full access to not only your credit report but also court records of evictions/judgements from prior rentals. Many will just look at your FICO or a summarized credit report but if your numbers are borderline they will probably go further to see how old the negative information is, if there has been improvement, etc. Your signature on that app. makes your financial history an open book.





Also, a good resource is this one...





http://credit-report-free.totalh.com





Best regards.



Reply:absolutely, the reason they look at your credit report is to make sure you will be a reliable tenant. If they could only look at a portion of it they would not be able to make a reasonable decision. this goes for the majority of states in the united states. They may overlook some insignificant info such as car insurance payments before the age of 18, medical bills, or checking account overdrafts unless your credit score is really really low. But simply, when you "apply" to rent an apartment, or double, you sign a paper giving the owner of the property permission to look the information over, however your signature isn't even necessary. Even giving the landlord your name and expressing interest is enough legal grounds to look over your ENTIRE CREDIT REPORT if they choose
Reply:They'll get a full report, the same as anyone else would who's checking your credit. It wouldn't make sense for them to do a credit check but not be able to see everything on it. How could they judge whether you'll pay your bills or not, unless they can see the full record of whether you do?
Reply:Anything and everything. You have given him a release as part of the lease application process. Of course you don't have to give permission, but he doesn't have to rent to you either. He can rent to the next person who isn't trying to hide their background.
Reply:Uh.............yeah....... you give them permission to run a credit check.... and that's pulling your credit report. Most people overlook medical bills though....
Reply:The whole report.