Hi all,
Does it make sense to apply to 2 apartments at the same time? I like both, and want to see if I’ll get approved for both and then choose between the 2. Does this generate only 1 credit pull or 2 individual?
Hi all,
Does it make sense to apply to 2 apartments at the same time? I like both, and want to see if I’ll get approved for both and then choose between the 2. Does this generate only 1 credit pull or 2 individual?
In a competitive rental market, sure. If your second choice will be gone by the time the first has reviewed your application, then you need to apply to both now to have the option at all.
Each time a potential landlord checks your credit, an inquiry will be reported. These are not a big deal, don’t worry about them.
I have done this before and had no issues. The only thing that might happen is you may have 2 background checks performed. Most rentals perform a soft inquiry which will not impact your credit score. But if you’re planning on borrowing money / need to keep your credit score high, verify that no hard inquiry will be performed by your future landlord.
Why though? If it’s free, sure. But generally, if your background check is clear with no evictions in the past and you meet the income requirements, you are guaranteed to be approved.
I’ve done it in tight rental markets. The impact on credit score is temporary.
I’m a bit worried that you haven’t worked out what you can afford before applying. When I’ve done multiple applications, I knew I could afford them, just didn’t know which would have an opening first. It was worth paying multiple application fees to find a place to live when moving for work.
Challenge the one you don’t pick and say it’s not affiliated with your address and is therefore not you.
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