Landlords, property managers, and homeowners may require a credit check as part of the application process. This is generally required to provide insight of how the potential roommate manages their credit accounts and bill payments. Credit checks are a great way to demonstrate that you are a responsible roommate and reliable when it comes to paying your rent on time.
Who can perform a credit check?
Anyone with a SSN (Social Security Number) or an ITIN (Individual Taxpayer Identification Number) can perform a credit check. You can purchase and submit your personal information from your own account and share it with others once completed.
Tip: If you would like to request a credit check from another user, please notify the user they will need to purchase and complete the background check from their own Roomies account.
What kind of credit checks are available?
Roomies has partnered with Certn to perform the individual credit checks. The reports are powered by Equifax, one of the three largest credit bureaus.
The credit report includes the following types of information:
- Identifying information- Your name, address, and date of birth
- Credit account information- Credit card, mortgage, student loans, vehicle loan
- Inquiry information- "Soft" or "hard" inquiry.
- Bankruptcies- Information about bankruptcy public records
- Collections accounts- Past due accounts that have been turned over to a collection agency
- Any notable risk factors
Certn requires a SSN to perform the credit checks. Don’t worry, your SSN will never be shared with anyone and will not be shown on your report.
What are the payment options?
You can complete payment on a credit or debit card. Payments are processed by Stripe (one of the largest and most secure online payment providers). Your card details are encrypted and sent directly from your browser to Stripe so they are totally secure. Roomies does not receive or store your card details.
After you’ve made a purchase, you can begin the process of submitting your personal details to Certn. Once submitted, your credit report would be completed within 24-48 hours. You can then share your results with others or download the report as a PDF file for your own records.
Tip: For security reasons, it is recommended to share your results via the secure 24-hr link. The PDF is provided for your records only.
How to view your results
To view your results, please visit your dashboard and locate the “Credit Check” tab. Here you will be able to view and share the 24-hour secure link.
You will also receive a badge under your verifications to let others know you have a credit report to share upon request!
If you'd like to verify yourself even further, Roomies also offers ID checks.