Rental Application Credit Check Without Social Security Number In Virginia
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Criminal background checks do not require a social security number. Instead, they rely on name, address, and date of birth. However, there are cases where a social security number may be necessary to determine who the results are about.
It is possible to check someone's credit without a SSN, but you need other identifiers (like driver's license number or full name + address). And in any case, a freeze would have blocked the pull.
However, today that isn't necessary. In fact, it may be illegal in some states (such as California) to reject a rental applicant because they do not have a social security number or do not wish to give that number to you.
You can still perform a background check as long as you have the applicant's full name and date of birth. Some reports, such as eviction records, are available using these factors alone. A registered and reputable tenant screening company can carry out a credit check without the applicant's social security number.
The credit report access keys on the license are your name, address, and date of birth, all of which are essentially public information. The driver's license number itself is not relevant, since the credit bureaus don't use that as an identifier.
Kim LaVielle, Area Manager with PPM, a national property management firm which oversees roughly 10,000 units, reports that her company's policy of requiring credit checks as a condition to renting was challenged in Northern California. A SOCIAL SECURITY NUMBER IS NOT REQUIRED TO RUN A TENANT SCREENING REPORT.
The short answer is no. There is no way for you to even apply for credit without a SSN. And without credit there can be no credit score. A debit card doesn't help build credit.
Most landlords seek credit scores of 650 or higher as a sign of tenant responsibility. Applicants with scores below 600 may face additional hurdles in securing approval. Exact minimum thresholds vary widely depending on factors like the type of apartment, current occupancy rates, and the landlord's discretion.
Your name, home address and date of birth. any current credit agreements you have. whether you're registered on the electoral roll. a top-level view of your financial history.