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Request the report behind the score from the company named in your denial. Go through it line by line against your own records. Dispute every inaccurate input in writing with evidence. If everything is accurate, the honest path is different: bigger deposit offers, a co-signer, landlord references, and applying with smaller landlords who read applications instead of scores.
Some screening companies compress your file into a single tenancy score, and large property managers auto-decline below a cutoff. You're entitled to know a report drove the decision, to see the file behind the number, and to fix anything in it that's wrong — the score itself isn't disputable, but every input to it is.
The file behind the score contains anything inaccurate — an eviction that isn't yours, a paid debt showing open, a wrong balance. Fix the input and the score follows.
To get your free report — send to the screening company named in your denial letter (use the contact route on its official site or in the letter itself):
I was denied [housing / employment / a bank account] on [date] based on a consumer report you supplied. Under the Fair Credit Reporting Act I request my free copy of that report. My name: [full name]. Address: [address]. Date of birth: [DOB]. Please send it to the address above.
To dispute an error — send with copies (never originals) of your evidence:
I dispute the following item in my file: [describe the entry exactly as it appears]. It is inaccurate because [not mine / paid on date / dismissed by the court / wrong amount]. Enclosed: [list documents]. Under the Fair Credit Reporting Act, please investigate and correct or delete this item, and send me the result in writing.
Keep a copy of everything you send, and send by a method you can prove (certified mail or the company's own dispute portal).
Full plain-English walkthrough on our home page.
You're entitled to the adverse-action notice and your file. Score disclosure rules differ from credit scores — but the file, which is what the score is made from, is yours to see.
Regulators and researchers have raised exactly that question. What's actionable today: the accuracy of every record feeding yours.
Disputes fix errors. They don't erase history that's true — accurate records survive investigation. If the record is real, what helps is settling and documenting it, second-chance programs, and time. We built this site for honest people hit by wrong records.
Companies most often behind this situation: saferent · transunion rental · realpage. Based on FCRA consumer rights as explained in FTC and CFPB guidance, checked August 2026. General information, not legal advice. Free official complaint route: consumerfinance.gov.