Do Apartment Complexes Use Hard or Soft Credit Checks?

by Neil Kokemuller
Apartment hard inquiries can have an affect on your credit over time.

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.

About the Author

Neil Kokemuller has been an active business, finance and education writer and content media website developer since 2007. He has been a college marketing professor since 2004. Kokemuller has additional professional experience in marketing, retail and small business. He holds a Master of Business Administration from Iowa State University.

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