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Tenant screening: when a background check stands between you and a home
For anyone applying for a place to rent with an eviction case, rough credit, or an arrest or conviction in their past, and for the people helping them. This page passes on, by name, what the Federal Trade Commission, the Consumer Financial Protection Bureau, the Department of Housing and Urban Development and two federal housing rules say: what is in a tenant screening report, what to ask before you pay a fee, how long things can be reported, what a landlord must tell you if the answer is no, and how to fix a report that is wrong. It puts the questions you pick on one sheet, and prints a card to keep.
Before anything else
- A report is a file, not the measure of you. And files have mistakes. You have the right to see what was said about you.
- Ask before you pay. The FTC says to ask what information the landlord uses to decide before you pay an application or background check fee.
- A no comes with a notice. If a report was part of the reason, the FTC says the landlord must give you the name, address and phone number of the company that made it.
- You have 60 days. The FTC says that company must give you a free copy of the report if you ask within 60 days of the notice.
- You do not have to pay anyone to fix a report. Disputing a mistake is free.
- If the weight turns into thoughts of suicide, call or text 988 at any hour. In danger right now? Call 911.
- This page saves nothing. There is nowhere on it to type your case. Your browser still keeps a history.
More help
- Clearing what can be cleared: Clearing your record, on sealing, expungement and fixing mistakes.
- A case in court now: When you might be evicted and When you have to go to court without a lawyer.
- Nowhere to go tonight: When you need a place to stay.
- Just out: Coming home from jail or prison and the Fair chance job kit.
- Keeping track: Paper trail, a log of every call, letter and visit.
- The legal side: When you need a lawyer and can’t pay.
- A listing that feels off: Is this a scam?
- Right now: Get help now.
- All our free tools.
This page and its wording were written with AI (Claude) for Scarlet Beast (our AI policy). No lawyer has reviewed it. The facts were read on October 7, 2026 on each source’s own pages: the Federal Trade Commission’s “Tenant Background Checks and Your Rights” (August 2025) and “Disputing Errors on Your Tenant Background Check Report” (March 2024); three Consumer Financial Protection Bureau answers on tenant screening (last reviewed July 1, 2021 and May 28, 2024) and the tenant screening part of its list of consumer reporting companies; the Department of Housing and Urban Development’s page “Housing Discrimination Under the Fair Housing Act”; and the federal rules at 24 CFR 960.204 and 982.553 on eCFR.gov. We did not read any state’s or city’s law, the Fair Credit Reporting Act itself, the rules for other kinds of subsidized housing, or the guidance documents HUD says it has withdrawn, and we called no number. The page does not say which states or cities limit screening, gives no statistics, and promises nobody an apartment. Everything marked “ours” is ours. It saves nothing: no cookies, no storage, and no analytics on this page.