Landlords could not hurt your credit score to rent

Hard credit inquiries by landlords.

Introduced· 2025-12-08

Who's it for

Who's it for: Everyday People

What it means for you

9/10Helps you

Good for everyday people ·

Plain‑English summary, cross‑checked against the official bill text.

This bill would stop landlords from hurting your credit score when you apply for a place to live, which helps keep your credit healthy.

Our take

What we think, in plain words.

This bill is important because applying for a new home should not make it harder to get loans for a car or other important things. Right now, landlords can check your credit in a way that lowers your score, even if you are a great renter. This bill would stop that. Some might say landlords need all the tools to pick good renters, but there are other ways to check someone's history without hurting their credit score. This bill is still new, so now is the time to tell lawmakers if you think your credit score should be protected when you look for a home.

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The facts

What the bill actually says, no spin.

Landlords could not make a 'hard inquiry' on your credit report when you apply to rent.
Landlords could not use tenant screening reports that include information from a 'hard inquiry'.
A 'hard inquiry' is a check that shows up on your credit report and lowers your credit score.
If a landlord breaks this rule, it would be seen as a 'deceptive act'.
You, or the state's attorney general, could take action against landlords who do not follow this rule.