O A housing provider cannot charge you a credit or background check fee if you provide one to them that was run within the last 30 days. In addition to this fee, New Yorkers may find themselves paying other fees.Who should pay the fee? The landlords wont accept your own credit reports. 6 months bank statements. Credit and background check information is pulled once during the 30 day period. Landlords must accept a tenant-provided background or credit check. The tenant-provided report must be no more than 30 days old. Landlords must accept a tenant-provided background or credit check. The tenant-provided report must be no more than 30 days old.