Posted on August 7, 2025

You've found an apartment you like. You've completed the application. Then you see:

"Background screening required."

For many renters, this is one of the most stressful parts of applying for an apartment—especially when they aren't sure what the report actually contains.

What Is a Rental Background Check?

A rental background check, also known as a tenant screening report, is information a landlord or property manager may use when evaluating a rental application. The Consumer Financial Protection Bureau says these reports can include information from sources such as rental history and credit reports, along with other screening information.

Depending on the screening service and applicable rules, reports may contain information involving previous rental history, credit information, eviction-related records, and certain public records.

Not every apartment uses exactly the same screening process.

What Should You Check Before Applying?

Before submitting a Chicago rental application, make sure the information you're providing is accurate.

Review your:

• Current and previous addresses

• Employment information

• Income documentation

• Previous landlord contact details

• Identification information

• Rental history

Even a small mistake—such as an incorrect previous address—can create confusion during the application process.

What If the Background Check Is Wrong?

Tenant screening reports can contain errors. The CFPB has highlighted renter complaints involving inaccurate information appearing in screening reports and provides guidance for consumers who want to review or dispute incorrect information.

If something doesn't look right, don't immediately assume there's nothing you can do.

Review the report carefully. Make sure the information belongs to you. Keep supporting records and follow the screening company's dispute process when appropriate.

Under federal law, when information in a tenant screening report leads to an adverse rental decision, such as denial, the landlord generally has notification obligations.

Don't Be Afraid to Ask Questions

Before paying an application fee, you can ask the leasing office what its application process involves.

For example:

What documents are required?

Is tenant screening part of the application?

Are there written qualification standards?

How will applicants receive updates?

Understanding the process can make applying feel much less intimidating.

The Renter Takeaway

A rental background check doesn't have to be a mystery.

Know what information may be reviewed, provide accurate application details, keep your records organized, and pay attention to anything that appears incorrect.

Being informed won't guarantee an apartment approval—but it can help you approach the process with much more confidence.

Educational information only and not legal advice.