Step 3: Know Your Credit Report
Most landlords require a credit history on you and your guarantor, if you’re using one. Your credit history does not have to be perfect for you to be successful, however, serious negative information on your report could affect your application and you might not get the apartment you want. Know what your credit history looks like before you complete an application.
Your FICO score (a complicated measurement of your outstanding credit history, weighted towards the more important indicators of your credit) is a reflection of your credit history.
If you are not sure what your credit history shows, RDNY.com has a link to Experian (one of the national credit reporting agencies) where you can purchase a copy of your credit report. Just go to http://www.RDNY.com/.
You should definitely know if you have some negative credit history, as the landlord is going to see that. Knowing what your credit report shows will allow you to proactively anticipate the questions the landlord will have, and being able to head them off at the pass.