Do Apartment Complexes Use Hard or Soft Credit Checks?

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When you apply to rent an apartment, the landlord or property manager may do a credit check as part of your application review. The landlord typically conducts a hard pull or inquiry. In this case, the credit reporting agency will note the check on your credit report. A hard inquiry usually takes about five points off your credit score, according to NerdWallet.

Apartment Credit Check Implications

While a single credit check won't ruin your score, shopping around for an apartment can have a cumulative effect. Five applications and hard inquiries could take as much as 25 points off your score. It normally takes about six months of on-time payments to recover the lost points. If you plan to get a car or home sometime in the near future, this factor can be problematic.