The landlords wont accept your own credit reports. A landlord is prohibited from charging an applicant for a credit or background check if they fail to provide the applicant with a copy.Unnecessary credit checks will be eliminated for voucher holders entering citysubsidized affordable housing. Most apartments for rent in New York City will require a credit check before your rental application is reviewed and accepted. Applicants have the ability to submit a guarantor to make up a shortage of income to qualify for an apartment. Or you put a wall up without permission, that is not a nonpayment case. Be prepared to complete a records request form when you get there.