u/sharks_tbh

My credit is pretty good for a 26-year-old with student loans (720s). I know the whole system is bullshit, but I’m just trying to live. Transunion has a thing a potential landlord used called a ResidentScore that rated me at…660. Lower than he’d be willing to rent to me.

There is no info that I can find online about how to raise this “ResidentScore”. I assume you can raise it by being a good tenant…which I am! I’ve never been evicted or late on rent. I can’t rent on my own anyway because my ResidentScore is too low so I need co-signers and guarantors.

What the fuck kind of landlord bullshit is this? Everything I’m looking at about it online says that it “predicts more evictions” but I’ve literally never been evicted or done anything crazy debt-wise before?? It’s not even clear how this is calculated???

How is this allowed??

Edit: I’m looking at the report now and one of the dings I got is that my SSN was issued after 2011. Yes…I immigrated to this country and received my SSN when I got my permanent residency in the mid-2010s. Somehow that makes me a worse potential tenant. 🙃

I’ve been working hard on my credit and I’ve gotten a pretty good one for having open student loan accounts and a minimum wage job I think!

However, a prospective landlord for my dream apartment used a service called “Transunion MyMove” that rated me at 662. He’s going to talk to his partner and seems to be okay with potentially renting to me with a guarantor (mother in law), but I’m confused and embarrassed nonetheless :( I was excited to finally be able to build my own rental credit!

One of the Experian app’s strongest recommendations is that I connect a credit account that’s at least 26 years old…I wasn’t born 26 years ago so that’s kind of out of the question lol. What else can I do? I don’t even know how I’d go about raising a “tenant score”. I’ve never been evicted, never been late on rent, etc. I’ve always had to have guarantors though, and I’m not sure what to do to change that if my score is generally so low that people won’t rent to me without one.