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Can a landlord refuse to rent to you based upon your credit score??

  • August 30 2013 - US
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Answers (15)

Profile picture for SoCal Engr
Brand new account, only one post, on a year-old thread, with a somewhat contrarian and argumentative position. Seems like someone's "trolling" for an argument.
  • October 13 2014
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Profile picture for misz negron
In my opinion it's stupid cuz if I have no pervious eviction and my present and past landlord give good recommendation then why does it matter how my credit looks. There comes a point where we all have a done fall no one's perfect.
  • October 13 2014
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Yes.  They can.  

Sometimes increasing the deposit help change a landlord's mind. 

good luck


Omar Khamisa
  • November 30 2013
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Profile picture for RealEstateCrew
It is their property, can a car owner refuse to allow someone to drive their car based on credit score?  
  • November 29 2013
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Your credit score and ability to pay is not a protected class for discrimination so it can be used based on the criteria to lease or mortgage that property. If a person fits the credit criteria they can not be discriminated under one of the protected classes. I hope this was helpful.
  • November 29 2013
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Ask yourself, if you were to pull prior rental history and credit history perhaps showing late pays would you feel comfortable having that person as their tenant?  

As a landlord a maximum of 2 months security and last months rent is allowed to be held in escrow at lease signing by the landlord or management company when and if such an agreement is acceptable to both parties to the transaction when that is the only way a landlord can be made comfortable renting their property to one with late pays.

Most property owners require a minimum 6 mos tenant.  HOA's typically require a 12 month tenant.

The lease may have an escalation clause and require a tenant to give notice to renew or vacate in writing by giving proper notice prior to their lease expiration.

 
  • November 29 2013
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Profile picture for mr nooruzzaman
it may be refuse i think yes it is
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  • November 28 2013
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Profile picture for mr nooruzzaman
yes it may be refuse thanks
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  • November 28 2013
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Yes a landlord or property manager may discriminate based upon credit worthiness.  If you are declined credit or an increased security deposit is required due to credit, the landlord or property manager is required to provide you a letter with information on why and how to obtain a free copy of your credit report.
  • October 04 2013
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Profile picture for user32913490
Most definitely. If your credit scare isn't good there is no reason that the landlord will believe you are a financially sound tenant for his rental property. However, if I were you I would stop renting altogether and try to buy a home as soon as possible. You will not regret it. There are some new homes in Most definitely. If your credit scare isn't good there is no reason that the landlord will believe you are a financially sound tenant for his rental property. However, if I were you I would stop renting altogether and try to buy a home as soon as possible. You will not regret it. There are some [Removed by Zillow Moderator. Please see our Good Neighbor Policy.] that are worth looking into.
  • October 02 2013
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If your previous credit record suggests that you haven't been able to pay your debts, then of course a landlord will deny you on the basis of a low credit score.

Insurance companies can also deny you coverage (or charge you more) based on a credit score.
  • August 30 2013
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Credit, personal income (length on current job) and rental history are all barometers a landlord can use to determine a prospective tenants ability to pay rent on time, not tear his place up, etc.
History sometimes repeats itself so landlords have to know what might lie ahead for them with that tenant.
  • August 30 2013
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Profile picture for wetdawgs
Yes.  They can. 

A low credit score has a number of reasons, and the landlord is afraid that the tenant will not pay the rent.  Sometimes a deposit of two or three months rent in addition to normal deposits will help change a landlord's mind.
  • August 30 2013
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The protected classes that you can not discriminate against are:

  • race
  • color
  • religion
  • sex
  • national origin
  • disability (added in 1988)
  • familial status

Poor credit is not one of them so you can reject for credit or because they are ugly or hair too long or many things, just not those above.





  • August 30 2013
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In Washington State you can refuse to rent to someone with bad credit.  This might be different in another state.  Go to a local tenant union website, there should be tons of good info for you there.
  • August 30 2013
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