FAQ: What is the difference between a credit report and a credit score?

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• What's included in a credit report?

  A credit report is a document that shows the applicant's borrowing history- basically, how they have handled debts and bills in the past. This tells you if they are good at paying on time or if they have a habit of missing payments. More importantly, ...

• How does my credit score influence the landlord's decision?

  Your credit score significantly influences a landlord’s decision when reviewing your rental application because it provides a clear, quantifiable measure of your financial reliability and responsibility. A higher score indicates timely payments, low ...

• What do landlords see in my credit report?

  Your credit report contains more than just your credit score. Landlords want to see if you're responsible with borrowed money and financial obligations. Because if you pay your debt on time, you'll probably pay rent on time too. What landlords see: ...

• What is a no credit file report?

  A no-credit-file report means that when a credit bureau searches for an applicant's credit history, it finds no records on the file. In simple terms, the person has no credit history with that particular credit bureau. Why would someone have no ...

• FAQ: Why do landlords need a credit report?

  When you apply to rent a property, landlords want to feel confident that you'll pay rent on time and take care of their property. Your credit report helps them make this assessment objectively.