The landlords wont accept your own credit reports. New York Rental Credit Check Forms help to gather information needed (including the tenant's authorization) to conduct a credit check on a tenant.This can include conducting credit checks, criminal background checks, or obtaining eviction records all within legal boundaries. All credit checks for apartment applications are hard inquiries as with other serious inquiries for financing such as mortgages, car leases, and credit cards. It is quite difficult to find an apartment without a credit history because most landlords do a credit check on every single applicant. If the applicants pay a portion of the rent, you may make a credit inquiry. Requiring a specific credit score, however, is evidence of discrimination. Try offering references, getting a roommate, paying a larger deposit or working with an individual landlord.