You said you are applying with Zillow. If you fill out zillows app, they pull a credit report and their crummy background check.Applicants must generally have a 620 level credit score that coincides with a timely and positive payment history in all areas of credit. The tenant screening or credit reporting company generally has 30 days to investigate your dispute, though in some cases they have 45 days. Is there a fee for running a credit check before you can move in? Is there a deposit to hold the rental property before you sign a lease or before you move in? Cosigners must prove gross monthly income of five times the monthly rent and have a credit score of at least 650. Tenant screening reports expire after 30 days. This is in accordance with TransUnion regulations to protect the applicant's data. The credit report includes last 7 years of credit history.