Collects rent payment history data from property owners and residential real estate managers, electronic rent payment services and collection companies, and makes that information available to the multifamily housing industry through tenant screening companies. Experian also includes some positive rent data it receives from Experian RentBureau in its standard credit reports. Positive rent data refers to payments that are paid as agreed between tenants and landlords.
How to use this report
If you are applying as a tenant for a residential property, ask the management company for the name(s) of consumer reporting company it will be using to screen you.
Contact the screener(s) to fact-check your information and dispute it as needed.If a landlord refuses to rent to you or charges you more because of something in a background check, be sure to know your rights .
How to dispute the information in your report
If you find information in your consumer report that you believe is inaccurate or incomplete, you have the legal right to dispute the report’s content with the consumer reporting company and the company that shared the information to the reporting company, such as your lender. Under the FCRA, companies must conduct – free of charge – a reasonable investigation of your dispute. The company that has provided the incorrect information must correct the error, and notify all of the consumer reporting companies to whom it provided the inaccurate information.
How to dispute an error on your credit report
FAQs
Experian® RentBureau® is the largest and most widely used rental payment database. We provide data detailing rental payment history on prospective residents so you can confidently approve more applicants, faster.
What is the purpose of Experian RentBureau? ›
Collects rent payment history data from property owners and residential real estate managers, electronic rent payment services and collection companies, and makes that information available to the multifamily housing industry through tenant screening companies.
What phone number is 888 397 3742 for Experian? ›
By Phone: Contact Experian's National Consumer Assistance Center at 1 888 EXPERIAN (1 888 397 3742). If you already have an Experian credit report you can dispute your information online. Or, contact us at the phone number on your report.
Do landlords use Experian? ›
Experian's service can support a number of industries — perhaps you are a landlord evaluating a prospective tenant or a doctor who needs to setup a payment schedule.
Does rental property hurt your credit score? ›
A landlord can report any missed payment to a credit bureau, which will land on your credit report. That missed rental payment will act as a negative mark on your payment history and as payment history is one of the most important factors in calculating your credit score, your score will likely go down.
Which credit report do most landlords use? ›
Most landlords partner with one of the three major U.S. credit bureaus: TransUnion, Experian, or Equifax. These background checks will actually reveal much more about a prospective tenant than just their credit score; the goal is to discover any suspicious financial activity in the applicant's background.
How do I speak to a human at Experian? ›
Thank You for your interest
- We're Here to Help. Contact our Support Center to receive assistance with your needs.
- Customer Support. 1-800-831-5614. Monday - Friday from 7 a.m. to 7 p.m. ...
- Technical Support. 1-800-854-7201. Monday - Friday from 7 a.m. to 8 p.m. ...
- Email Support. [email protected].
How to Check for Identity Theft
- Review your credit reports.
- Check your bank statements.
- Pay attention to strange mail.
- Stay on top of your tax returns.
- Check your medical statements.
- Review your Social Security statements.
Follow each of the steps below to start protecting your identity.
- Step 1: Add a 1 year fraud alert to your credit report. ...
- Step 2: Review your Experian Credit Report. ...
- Step 3: File an identity theft report with your local police department. ...
- Step 4: Notify Experian to resolve fraudulent activity on your credit report.
Evictions are public records, but they don't appear on your credit reports. The only public records that are part of your credit reports are bankruptcy filings.
You may also be able to add your rent payment to your Experian credit report with Experian Boost®ø. If you pay your rent online to an eligible landlord for a qualifying amount, consider adding it to Experian Boost.
How do you check someone's credit as a landlord? ›
Information on a tenant credit check generally includes a tenant's bill paying history, amount of income and debt, and whether the applicant has any liens or judgments. Sources for obtaining a tenant credit check are the major credit bureaus, online tenant screening services, and local property management companies.
Does Experian Boost actually help your credit score? ›
Yes, if you receive a score increase when you add payments with Experian Boost, the increase will happen instantly. Any lender that uses the FICO® Score 8 with Experian data will see that change reflected in score results. Users of Experian Boost whose scores improve see an average FICO® Score increase of 13 points.
Is Experian.com a legit website? ›
Is Experian safe? Experian is a safe and globally recognized credit reporting agency that offers identity theft protection and business credit assistance. Its services are ideal for consumers who want to raise their credit score by developing healthy credit habits.
Does RentTrack really help your credit? ›
Self Rent Reporting can impact your credit score by reporting timely rent payments which can positively affect your credit score by building a history of on-time payments.
Does RentCafe use Experian? ›
We believe that our residents should get credit for managing the payments for the place they call home. That's why we're working with Experian RentBureau to include positive rental payment data in Experian credit reports. You pay your rent on time every month.
