What Is the Minimum Credit Score Necessary to Rent an Apartment?

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The minimum credit score to rent an apartment is somewhere between 600 and 620. If an applicant’s credit score is below 600, it is unlikely a landlord will rent to him. Landlords consider a number of factors in addition to the credit score when deciding whether to rent to an applicant. These other factors include rental history, credit references and proof of income.

If an applicant has an extremely low credit score, it is a good idea to find a landlord who places a higher priority on other factors. Some landlords do not run credit checks at all. Credit scores range from a high of 850 to a low of 300. Anything in the upper 600s is considered average and anything above 700 is considered good to excellent.

If an applicant has a low credit score, there is no quick fix. An open line of credit with regular payments over time is the only way to really improve a credit score. If a credit score seems unusually low, the applicant may request a credit report from one of the three primary credit agencies: TransUnion, Equifax or Experian. If there is a negative mark on the credit report that the applicant disagrees with, he can contest it.