House Rental question from a tenant

[Lucas Lane]

so until the very now, I thought there is no score or reporting agency that provides your rental history, and I haven't pulled mine yet, but it seems I am screwed.

So it all started from pandemic, so 3 month in pandemic landlord started increasing their rental price, and that shocked the s* out of me, that this guy doesn't care we lost jobs in this country, so as a counter measure I started purposefully pay my rents on the last day of the month, as a way of telling him do not increase my rents again(and ofc I did that because I had the confidence based on the letters I was receiving even that I was on time during the first 3 month that if you have difficulty paying rents, we and the state are here for you to give you a break and etc, and I was like if I continue to pay this rent on time, this guy thinks there is a goldmine here and he will increase my rent twice during the pandemic), due to the pandemic I was not being charged for late fees if I m paying it at the end of the month, and that's what I was all cared about.

Now I am ready to move out, and I just found out that there are bureaus out there that have access to your rental payment history.

my credit score is 805, no history of late payments, below 1% utilization, no derogatory, no bankruptcy, history of paying off two loans of 40k, on top of that no rental evictions, no past due(other than pandemic period, which I was paying last day of the month with no penalty), clean records, no court records, clean DL license.

I don't even know if 100% of big rental mgmt companies report the payments to those bureaus(Leasing Desk, Resident History Reports, Tenant Data Services, )...

1)are they legally allow to make decisions based on pandemic period payment dates at all?

and on top of everything that I just said, I definitely won't provide my real apt address to the next rental company, and I will try to call 4 major bureaus(Equifax, Experian,TransUnion, innovis) to have them remove my current address.

2) are they secretly without my consent allowed to call the address they see on my driver's license to ask about me?

3) I haven't applied for anywhere yet, I just want to know what my situation looks like, I am a high risk tenant now?!, your thoughts please, thx

[Gail K.]

I doubt your calls to these bureaus will result in them removing your current address.  

To your credit your FICO score is impressive and you have no history of late payments, no evictions, etc..  Income at least 3 times any future rent?   Frankly, I've never come across any rental payment history (the screening company I use runs TransUnion) when I run applications.  Whether any future landlord will contact your current landlord to determine your recent payment history involves a crystal ball that none of us have.  Some current landlords require permission from their tenants before they will provide this information to a new rental company.

However "lying" by omitting information (i.e., your real apartment address) is typical enough to reject your application.

Keep in mind that landlords often deal with applicants that lie all the time.  Best not to try what you has discussed above.  From your financial history you appear to be an excellent candidate for another rental and overly worried over, well, nothing (in my neck of the woods applicants hitting a 600 FICO score is akin to them climbing Mount Everest).

Good luck..