Authorized for a credit check at time of application, can my landlord run a second one?

Question

I am in the process of trying to find a new apartment, and as part of that process I have pulled my credit report recently. While reviewing the credit report, I found that my landlord had checked my credit twice for the apartment, once around the time the lease began, and again at about the six month mark. I have sent notice to the credit bureau that this needs to be removed as I believe it to be unauthorized. My question is two fold: 1) Are they able to run a credit check at random while I live at the apartment? The agreement on the application is that they were allowed to run a background check in order to verify information on the application. 2) If they were not authorized, is this legal and/or does it cause the lease to break? This is in the state of Tennessee, and I'm mainly looking to be armed with information before I approach them about it. Thanks in advance for any answers.

Update:

Huntsman: I did pull all 3, and sent notices to all 3 about getting it removed. I was just simplifying my wording.

loanmasterone · Accepted Answer

Your landlord is authorized to run a credit report for your rental application and verify information. Signing an authorization for a company to run a credit check does not authorized them to run a credit check when ever they feel like it nor for ever and a day.

You should tell this landlord to stop running a credit report and if they would like to run another you would have to give them authorization.  

I am not sure if this would be a cause for you to break your lease or not, it would be better to consult an attorney for this type information.
  
If this was the case then everyone you gave an authorization to could run a credit check at their will. Where you bought your care, application for credit card, mortgage company, application for a personal loan from you credit union. If all these individuals or companies could run a credit report when ever they felt like you would have too many inquiries on your credit report.

I hope this has been of some benefit to you, good luck.

"FIGHT ON"

mattia · Answer

She is meant to get consent. maximum applications that are any good contain a paragraph that genuinely says that with the aid of signed this application you supply consent to run a credit verify. If this one did no longer say that then she would have overstepped what's permitted with the aid of slightly, yet that's gonna be hard to tutor without something in writing. possibly best just to enable it circulate except you are able to by some ability tutor this and although in case you are able to tutor it i'm no longer in all probability effective what penalty (if something) there would be as you probably did of course observe for the situation.

Go with the flow · Answer

It is not unauthorized.  The landlord has full right to check.
Note that inquiries only affect a good score by 1 or 2 points.
This is out of a possible 850 Fico score.  Very small "ding".
It only affects your score for 1 year, and drops off after 2 years

Why are you getting only 1 credit report?
Did you pay for it from one of those tv ads?
Reports are free - always have been (all 3)
So get your other 2 at
Annual Credit Report.com

Patricia · Answer

Anyone you have credit with can pull your credit report at any time.  They are looking out for their interest.  Rather than threatening them, just ask how often they check.  I really don't see why you are so upset about this.  A single credit check with an existing creditor is not a big deal on your credit report.

Landlord · Answer

You authorized it already.   This is unusual though unless you live in some sort of subsidized housing.

There is no effect on score.

Slickterp · Answer

Doesn't matter, those don't hurt your score.  

It doesn't break your lease.

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Authorized for a credit check at time of application, can my landlord run a second one?

6 Answers