How to Avoid Identity Theft When Renting an Apartment

When you start your apartment search, you'll notice that many apartment landlords ask you to fill out an application to evaluate your creditworthiness. On the application you must provide your Social Security number, current address and other very personal information. It is natural to have concerns about identity theft.

Instructions

1

Collect a complete listing of apartments that you want to visit when you proceed with your search.

2

Research each apartment complex that you're interested in before you visit. You can use an online service like Apartment Ratings, Apartment Reviews or the Better Business Bureau to find out the reputation of the apartment management company or landlord before you continue your inquiry. Check specifically for any complaints of identity theft by past applicants or renters. Narrow down your list of apartments to look at based on the information you gather.

3

Visit the remaining apartments on your list and narrow the list down yet again to two or three final options. Only submit your information to the rental companies at the top of your list to minimize the number of rental applications containing your private data.

4

Ask each landlord for his policy for storing and destroying private data before you submit an application. The Disposal Rule of the Fair and Accurate Credit Transactions Act requires landlords to safeguard the information and dispose of it when no longer needed. Get a copy of the landlord's policy in writing and if the landlord refuses, move onto the next option on your list. Some landlords could mismanage or keep the information on file indefinitely, which puts your identity at risk. If you do not get the apartment or choose another company, visit the complex again to retrieve your application from the landlord.

5

Hire a rental agent to look for an apartment on your behalf as another option if you have identity theft concerns. You have to pay an additional fee for this service, but in many cases the agent is familiar with reputable apartment rental agencies and landlords in the area.