I was denied an apartment last month based on a “renter score”, basically this 3rd party company will run an algorithm that assigns you a score based off a background check, your actual credit score, and literally who even knows what else. You have to submit paperwork to even know what your file says and it’s not regulated by the government the same way credit reporting it. It was total bullshit but it doesn’t seem to be too widespread yet (fingers crossed it never takes off in a big way) and I found an apartment a week later with a great landlord (only owns a couple properties, hobby contractor, very nice dude all around). For some reason there’s lots of big mgmt companies that will auto deny anyone for any reason and the only way they know how to judge the quality of an applicant is seeing how many ridiculous hoops a person is willing to jump through to secure housing. However from my experience, you can always find a landlord who doesn’t give a shit about most of it. I’ve had good landlords who understand what information is relevant when it comes to applicants and can make decisions based on their own impressions and experience , and I’ve also had shitty ones who don’t care about any of it and just want rent money from whoever the hell for doing absolutely nothing. But either way there are plenty of landlords and even some of the smaller mgmt companies that don’t care. I rented from a mgmt company that had almost none of that, they just needed proof of income and that was it. They didn’t even make us give them a security deposit. It was a shit apartment but my point is don’t worry about it