Asking to change a credit score policy
Are you applying to rent a place and....
Have a limited credit history or a credit score below a unit's requirement?
Have a disability and it affected your credit score?
If you answered yes to both questions, you have the right to ask for a change to a credit score policy when renting. If you aren't sure, read on to learn more.
How do credit scores work?
Credit scores come from your history of paying off bills, credit cards, and loans. There are several big companies that take people's histories of paying bills and give the person's credit history a score.
The scores range from a score of 300 to 850. A higher score usually signals that you have paid off bills and loans over time.
Owners often check credit scores to decide if an applicant seems likely to pay rent regularly and on time.
How does the law relates to credit scores?
Maybe your credit score was impacted while managing a disability. Here are some examples that show situations where you can ask for an accommodation during the process or appeal if you are denied.
Terry's story
Over the years, Terry spent time living in a facility, living with family, and was unhoused for a time while managing her disabilities. She had trouble building her credit.
Even though she has supportive services and can pay rent, her credit score is not high enough to meet the requirements for many apartment units. Terry can appeal if her application is rejected because of her credit score.
Alejandro's story
For many years, it was hard for Alejandro to manage his mental health issues. He had difficulty keeping up with bills during that time.
Now, he is getting support from a counselor, has a job, and is doing well. His credit score does not meet the requirements of many units even though he can easily pay the rent on the units he is applying for. Alejandro can appeal if his application is rejected because of his credit score.
Big Takeaway: you have the right to explain your past credit history and how it relates to your disability. You have the right to make the case that your past credit history does not affect your ability to be a strong tenant now, and that being denied related to your credit is the same as being denied for having a disability.
Asking for an accommodation: sample letter
Here is a sample letter about credit history that explains some important things to include. The examples here might not all apply to your situation. You should include details that are true to you in your letter (or the person you are writing a letter for).
