How to Look Up My Rental History: A Guide

Your rental history is one of your most crucial records as you navigate the rental market—whether you are renting an apartment or moving into a new home. It shows how well you've adhered to lease agreements, made timely payments, and maintained properties. For landlords, your rental history reflects your reliability, much like a credit score.

Accessing your rental history is more than a formality; it can make or break your chances of securing future housing. In this guide, our team at RiverTown will explain why your rental history matters, the best tools to view it, and how to fix any inaccuracies. Let’s ensure your rental history works for you, not against you.

Have questions about renting? View our tenant FAQs.

Why Your Rental History Matters

Your rental history is significant in securing future housing, especially in competitive rental markets. Landlords use rental histories to gauge your reliability as a tenant, looking at factors like whether you’ve consistently paid rent on time, maintained the property, and adhered to lease agreements.

Here’s how your rental history impacts your ability to secure future housing:

• Payment Consistency: If your rental history shows a pattern of paying rent late, it could hurt your chances of being approved for a new lease. Landlords want tenants who are reliable and pay on time.
• Evictions or Lease Violations: A history of evictions or repeated lease violations may raise red flags for future landlords, potentially leading to higher deposits or rejected applications.
• Long-Term Tenancy: Demonstrating long-term rental history in a property can reassure landlords that you're less likely to break leases or leave prematurely.
• References from Previous Landlords: Good references from former landlords can significantly boost your rental application, while poor reviews can hinder your ability to secure new housing.

Ensuring that your rental history is accurate and up-to-date is critical. Before you apply for your next property, it’s worth checking to see how you appear on paper.

The Best Tools to View Your Rental History

Thanks to the rise of online platforms, viewing your rental history has never been easier. Below are some of the best tools to check your rental records, each with unique pros and cons.

1. Experian RentBureau

Experian RentBureau gathers rental payment data directly from property management companies and includes it in tenants’ credit reports. If your previous landlords report rent payments to Experian, this tool can provide a comprehensive snapshot of your rental history.

While RentBureau is a valuable tool for tracking rent payment consistency, it’s not foolproof. One drawback is that not all landlords report rent payments to credit bureaus, meaning your history might be incomplete. 

However, if your landlord does report, this tool provides a quick and easy way to view your payment behavior alongside your credit score.

2. Equifax

Equifax includes rental payment data in credit reports for tenants if their landlords or property managers report rent payments. This makes Equifax a convenient option for viewing rental payment history and your overall credit profile.

The downside to Equifax is similar to that of Experian—if your landlord hasn’t reported your rent payments, this data won’t be available. Despite this, it’s still a helpful platform for getting a broad overview of your financial and rental history if your landlord participates.

3. TransUnion SmartMove

SmartMove, offered by TransUnion, is a popular tenant screening tool landlords use to look up rental history, credit scores, and criminal records. You can request your personalized report through SmartMove to get a complete picture of what landlords might see.

One of the critical advantages of SmartMove is its comprehensive reports, which include:

• Credit scores
• Rental history
• Background checks 

However, SmartMove is primarily intended for landlords, meaning you might need to request the report from a property manager or landlord rather than accessing it directly.

4. MyRental by CoreLogic

MyRental is a tenant screening service that allows property owners to run background checks on potential tenants. It includes a detailed rental history report, eviction records, and credit reports.

For tenants, MyRental provides a complete picture of rental history and financial behavior. One drawback is that accessing the report yourself may come with a fee, which can vary based on the level of detail you require.

5. Tenant Background Search

Tenant Background Search is another widely used tool for landlords that offers a range of reports, including rental history, criminal background checks, and credit reports. Tenants can also request their rental records for personal review.

This platform is fantastic for capturing a snapshot of what landlords look at when they screen tenants. 

The only downside is that you’ll likely need to pay for access to your entire report, but it offers valuable insights into your rental background.

6. Credit Karma

Credit Karma is a free tool that primarily offers credit reports and credit scores but may also show rental history if your landlord reports rent payments to credit bureaus. It’s a great option for tenants looking to monitor their financial standing without paying for access to a full report.

While Credit Karma is designed primarily for credit reports, it may not offer a complete rental history unless rent payments are reported. It’s a practical, no-cost option but could be limited regarding rental data.

Required Documents Checklist for Accessing Rental Records

Before you check your rental history, make sure you have the necessary documents on hand. Here’s a checklist to help you prepare:

• Government-issued ID (Driver’s license, passport, or state ID)
• Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
• Previous lease agreements (if available)
• Proof of rent payments (bank statements, receipts, or canceled checks)
• Contact information for previous landlords or property managers
• Eviction records (if applicable)

Having these documents ready will make the process smoother and help you dispute any inaccuracies if needed.

Step-by-Step Process on How to Check Your Rental History

Accessing your rental history is straightforward, especially with many platforms offering easy-to-use online tools. Follow these steps to ensure a smooth process:

• Choose a Service: Select a platform like Experian RentBureau, Equifax, or MyRental based on your needs.
• Sign Up or Log In: Visit the chosen platform’s website and create an account. Be ready to verify your identity using your Social Security Number or other personal details.
• Request a Rental History Report: Navigate to the section for rental history reports. Some services may require a small fee, while others may provide free access through a credit report.
• Review Your Report: Look for your rental payment history, past addresses, and any evictions or lease violations. Double-check all details for accuracy to ensure there are no mistakes. For example, if you see an eviction listed that never happened, you’ll want to dispute it immediately.
• Save and Print Your Report: Download a copy and print it for your records. Having a recent rental history report can streamline rental applications and provide proof of good tenancy. For example, some landlords may request a copy of your rental history when you submit a rental application.

Once you’ve reviewed and saved your rental history, you’re in a strong position to apply for your next rental with confidence.

What to Do if Your Rental History is Inaccurate

Inaccuracies in your rental history can cause problems when applying for housing, but fortunately, you can take steps to fix them. Here’s what to do if you spot any incorrect information:

1. Contact the Reporting Agency

Suppose you notice an error, such as a payment you made being listed as late or an incorrect eviction, contact the service that provided the report (e.g., Experian, Equifax). They typically have a dispute process for correcting errors.

2. Gather Supporting Documentation

Collect documents that prove the information is inaccurate, such as lease agreements, payment receipts, or letters from your previous landlord. This will help you make your case during the dispute process.

3. File a Dispute

Follow the platform’s instructions for filing a dispute. Most will require you to submit your claim through their website or by mail. Be prepared to provide any documentation that supports your case.

4. Monitor the Resolution

The agency has 30 days to investigate and resolve your dispute. During this time, check in periodically to see if any action has been taken. You'll receive a notice once the investigation is complete indicating whether the error has been corrected.

5. Contact Your Previous Landlord

If the error originates from a landlord's reporting mistake, reach out to them directly. Politely request they correct the record with the reporting agency and provide any supporting documents that may help.

Frequently Asked Questions (FAQ)

What is a rental history report?

A rental history report is a record of your past rental experiences, including details such as payment history, lease agreements, previous addresses, and any evictions or lease violations. Landlords use this information to assess your reliability as a tenant.

Can I access rental history for free?

Some platforms, such as Credit Karma, offer free credit reports that may include rental payment data if your landlord reports to a credit bureau. However, most comprehensive rental history reports from services like Experian RentBureau or MyRental may require a fee.

What should I do if my rental history is incomplete or incorrect?

If you find missing or incorrect information in your rental history report, contact the reporting agency and provide supporting documents such as lease agreements and payment receipts. Most agencies have a dispute resolution process to correct errors.

What is it like to rent with RiverTown Realty?

Renting with RiverTown Realty means responsive service, well-maintained homes, and a team that values tenants just as much as property owners. We offer an easy-to-use tenant portal, prompt maintenance, and clear communication to make your rental experience smooth and stress-free.

Learn more about renting with RiverTown Realty

Let RiverTown Help You Take Charge of Your Rental History Today

Your rental history is more than just a record—it’s a critical factor in securing your next home. Regularly checking your rental history and ensuring it’s accurate can improve your chances of getting approved for the property you want. Whether using tools like Experian, Equifax, or MyRental, staying informed about your rental record is crucial.

At RiverTown Realty, we’re here to help you navigate the complexities of property management and tenant screening. Don’t wait until it's too late—view your rental history now and improve your chances of securing your next home!

Ready to find your next home? Browse our available homes for rent in Memphis and take the next step toward moving into a well-managed RiverTown Realty property today.