Rentals in Indianapolis>Question Details

Khorrine Say…, Renter in Indianapolis, IN

How important is credit history vs rental history?

Asked by Khorrine Sayed, Indianapolis, IN Sat Apr 27, 2013

We have bad credit but an excellent source income and rental history, how hard would it be to find a home to rent. We are relocating due to a job transfer and would like to rent for the first year or so while we get our credit back on track, but I am afraid we will have trouble because of our credit score.

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Hey Khorrine!

First, to answer your question. Most landlords when they run a "rental history report" the main things they are actually doing is checking your credit and eviction history. In general, most people that have Decent credit are also decent tenants.

That said, if you have a list of happy satisfied previous landlords and steady income coming in, stress those two points to potential places and you should be able to find a landlord ready to work with you!

Its probably a good idea to run your own rental history report to see what landlords know about you. Check out to get one.

Also, check out a service like rentalkharma which lets you rebuild credit by paying your rent on time. Could be a great resource for you.
Web Reference:
0 votes Thank Flag Link Thu Sep 24, 2015
It is going to depend on the landlord that you apply with as criteria for tenant selection tends to vary. One thing you can do is initiate a dialogue with your prospective landlord. Let them know that while you may have a lower credit score, you have favorable rental history. Ask them to provide their rental criteria so that you will know up front if you have the chance to qualify.

One way to be prepared is to know what your tenant screening report looks like ahead of time - you can go to and order your own tenant screening report (from a reputable screening company). This will allow you to see your credit report (with score) and background check - including rental & employment verifications, if you choose. This screening company allows you to share your report with multiple landlords through their secure site at no additional cost! This allows you to be in control and shows prospective landlords that you are serious about and prepared to go through the application process!
0 votes Thank Flag Link Mon Jul 27, 2015
It depends on the landlord and/or owner's flexibility. Many smaller Property Management companies are more flexible with credit especially if you have a solid rental history. The biggest credit issue you will run into is if you have recent evictions. Many landlords are willing to look past student loan, medical, and sometimes even credit card issues.

Visit to see if they have any rentals that might meet your needs.

Natalie Hightower
Principal Broker / Owner
Hightower Homes LLC
0 votes Thank Flag Link Mon Apr 29, 2013
It depends on what's on your credit. Most tenant screening does not consider medical and student loan information in their decision. But some do have a limit on delinquent accounts.
Apartment Search by Cort can help you with your search. They keep track of most apartment community guidelines.
0 votes Thank Flag Link Sat Apr 27, 2013
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