the tenant's guide to renting

7/30/2019 The Tenant's Guide To Renting

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Wht y ee t kwbere y ret

THE TEnanTsGuidE To

REnTinG


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A Tenants Guide to Renting

Tble Ctet3

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1 Tnant Rights and Rponsibilitis

2 How to Rsarch your Prospective Landlord

3 Know Your Inormation and Hav it Rady

4 How to Conduct Yoursl

5 What to ask th Prospctiv Landlord

6 Rporting Your Tnant Pay Habits can b a Good Thing!

7 Tnant Advocacy Groups

8 Crim Fr Multi-Housing

9 Braking a Rntal Las

10 Th 4 kys to Grat Crdit

11 Housing Findr Chcklist

12 Mov In Chcklist

13 Tnant Rqust or Maintnanc Form
http://www.tenantsinfo.com/http://www.tenantsinfo.com/http://www.canadarentalguide.com/


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1. Paying th rnt on tim2. Kping th rntal unit clan and sanitary3. Using all gas, lctrical and plumbing xturs proprly

4. Paying or, or rpairing damags incurrd by th Tnant5. Not to rmov any itms rom th structurs or buildings

without prmission6. To us th prmiss or its lgal purpos7. To kp all smok alarms in good working ordr and notiy th

Landlord i any rpairs to th alarm ar ndd8. Obtain approval bor making any changs to th rntal unit

or installing any alarms or scurity systms

a Tet Repblte

Geerl Tet repblte cle:

Tet RghtThe Tet h the rght t expect lvble retl

t. Lvblty me tht the t hl:

B wathr and watrproo Hav working plumbing

Provid nough hot and cold running watr Hav a working hating systm Hav an lctrical systm in good working condition B r rodnt/insct instation Hav sucint trash cans

Hav foors, stairways and railings in good condition Hav natural lighting in vry room Hav working windows that opn at last halway or

mchanical vntilation

Hav sa r or mrgncy xits lading to th strt orhallway

Hav a working dadbolt lock on th main ntranc Hav working scurity dvics on windows Hav working smok dtctors

Tnants also hav th right to quit njoymnt and xclusiv

possssion o th rntal unit. For mor inormation on this, allTnants and Landlords should visit www.Tnantsino.com.


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Reerchg Yr

Prpectve LlrJt Llr cct e lgece

prpectve Tet the rm Tet creeg,

bckgr reerece check, hl

Tet cct me e lgece prpectve

Llr.

1. Wh w r mge the retl?

Gt th ull nam and addrss o th Landlord, you will ndto know this inormation or rnt paymnts or i thr ar anydisputs. Look thm up in th yllow pags or onlin.

How long hav thy bn in businss? Ar you daling with prossionals? How many vacancis ar thr? I too many, that might b

indicativ o managmnt problms. Wr you intrviwd in an oc?

Did th Landlord conduct him/hrsl in a prossional mannr Did h/sh hav a businss card?

2. are they crret the mrtgge? Hve they ever fle r

bkrptcy r h reclre?

Th Landlord may rus to disclos this inormation, but youshould ask nonthlss. I you ar looking at rnting long trm,you will want to conrm that th Landlord is up to dat on allpaymnts with no prior problms to nsur long-trm scurity.

B upront and lt thm know this is why you ar asking. This will

also lt th Landlord know that you ar srious about rnting.

ReD FLAG: Possibl indicators o nancial dcincy can b lacko maintnanc, minimal or no upkp to th proprty or rntalaccommodations, no Tnant scrning, and rusal to spnd

mony on rctiying any xistnt dcincis.


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3. i the Llr plg ellg?

Again, i you ar looking or a plac to liv long trm, ask th

Landlord i thy plan to sll th rntal proprty. You do not wantto mov in rst and nd out latr, spcially i any potntial buyrs

do not plan to us th proprty or rntal purposs.

4. H the ret bee cte, why?

Having a discountd rnt paymnt may sound appaling, but you

nd to nd out why. Quit otn, this mans that th Landlordhas had a problm rnting out th proprty. This could b du to anumbr o actors such as:

An incrasd numbr o rntals in th ara

Unsa nighborhood Problms with th rntal proprty Problms with nighbors Rowdy Tnants, spcially i th dwlling is an apartmnt

building

ReD FLAG Sing a discountd advrtisd rat should srv as ard fag or you, so conduct your du dilignc and dtrmin i itis a suitabl rntal.


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1. Fllg t retl pplct

It is standard procdur or Landlords to hav prospctiv Tnantsll out a rntal application. Hr ar a w o th most common

pics o inormation you will nd to hav:

Nam Addrss, Dat o birth, Drivrs licns

In som provincs, it is not lgal or a Landlord to rqust ithrth dat o birth or social scurity numbr.

For mor inormation, plas rr to your stat Landlord/Tnantlaws at http://www.Tnantsino.com/links.html

Mak sur th rntal application orm is lgibl and lld out in itsntirty. I th inormation cannot b rad or i you lav spacsblank, th Landlord may rjct your application.

Also, b prpard to show two pics o idntication, on bing

pictur ID, as th Landlord may want to conrm th inormationlld out on th rntal application.

ReD FLAG: Whn a Landlord dos not conduct du dilignc onyou, thn you can bt h dos not do it on othr applicants ithr.

Thror, you must ask yoursl, who ar my nighbors and whatis thir background? Ar my amily and I sa?

Kw Yr irmt Hve t rey

Ths days, most Landlords conduct Tnant scrning and rrnc chcks whndciding on a rntr. It is bst to b prpard, hav th propr idntication availabl

and know your inormation.
http://www.tenantsinfo.com/http://www.tenantsinfo.com/links.html.http://www.tenantsinfo.com/links.html.http://www.tenantsinfo.com/http://www.canadarentalguide.com/


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2. Kw yr cret htry

As part o a Tnant scrning, Landlords may run a crdit, criminal

and/or viction sarch on th prospctiv Tnant. Usually at thbottom o th rntal application, you will s a consnt ara that

you would sign and dat giving prmission to th Landlord to doso.

Bor mting with th Landlord, you should ordr a copy o yourcrdit rport. Know and undrstand what inormation is on it so

you will b prpard should th Landlord hav any qustions orconcrns. B up ront about any lat paymnts, dlinquncis ordrogatory inormation and discuss this with th Landlord.

FYI, it is a good ida to run your crdit rport onc pr yar tomak sur vrything is corrct and up to dat and to protct

yoursl rom idntity raud and tht.

To ordr your r crdit (on pr yar) rport, visit:http://www.quiax.com/cm/canada/eFXCrditRportRqustForm.pd

http://www.transunion.ca/ca/prsonal/crditrport/consumrdisclosur_n.pag

I you ar not prpard to wait on th tlphon or up to 45minuts or mor, and thn anothr two wks to rciv your rcrdit rport, you can ordr it instantly onlin at any o th abov

wbsits or a .www.quiax.ca www.transunion.ca

3. Reerece

Most Landlords will do a rrnc chck on thir prospctivTnants. This may includ prsonal rrncs, mploymnt

rrncs and Landlord rrncs. Dcid whom you will blisting as a rrnc and advic thm prior to mting with thprospctiv Landlord. Mak sur you hav thir ull nam and

contact inormation rady to provid whn askd.

Othr inormation that you may b askd to provid is a paystub rom your mployr or a T4 or bank statmnt i you ar slmployd.
http://www.tenantsinfo.com/http://www.equifax.com/ecm/canada/EFXCreditReportRequestForm.pdfhttp://www.equifax.com/ecm/canada/EFXCreditReportRequestForm.pdfhttp://www.transunion.ca/ca/personal/creditreport/consumerdisclosure_en.pagehttp://www.transunion.ca/ca/personal/creditreport/consumerdisclosure_en.pagehttp://www.equifax.ca/http://www.transunion.ca/http://www.transunion.ca/http://www.equifax.ca/http://www.transunion.ca/ca/personal/creditreport/consumerdisclosure_en.pagehttp://www.transunion.ca/ca/personal/creditreport/consumerdisclosure_en.pagehttp://www.equifax.com/ecm/canada/EFXCreditReportRequestForm.pdfhttp://www.equifax.com/ecm/canada/EFXCreditReportRequestForm.pdfhttp://www.tenantsinfo.com/http://www.canadarentalguide.com/


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1. dre pprprtely

Prsnt yoursl in a nat and clan mannr. You do not nd

to drss ormally, but mak sur your apparanc is rspctabl.Mn, try not to war any shirts with rud or discriminatory words

and picturs, Ladis nothing too rvaling and short.

2. spek prelly

Always spak in a clar, calm and courtous mannr. Try to ask

qustions in a polit and prossional mannr.

3. settg Plce tht dcrmte agt Fmle

evn though it is illgal to discriminat against amilis or ovr20 yars, many landlord practics ar ar rom amily-rindly andar downright illgal. excluding amilis bcaus you l childrn

will caus mor war and tar and you prr a matur, quit

nvironmnt is illgal. And whil your prmittd to limit thnumbr o rsidnts in a unit (in most situations, two occupantspr bdroom), you may not apply that standard dirntly whndaling with amilis.

Th cost o this mistak can b anothr trip to your Lawyrs ocor th Rsidntial Tnancy Branch.

4. Be rgze

Again, it is important to arriv at your intrviw with th

prospctiv Landlord ully prpard. Hav all inormation,

rrncs and idntication availabl with you and i possibl inan organizr or bindr o som sort.

Hw t Cct Yrel

Tret yr tervew wth prpectve Llr the me y weremeetg ptetl emplyer. a gret frt mpre c mke ll the

erece.


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sme qet r ccer y my wt t re re:

How ar rpairs and maintnanc handld? How is rnt collctd, in prson, by mail, onlin or post datd

chcks? Will th las agrmnt b a month-to-month or a xd

trm? ensur conrmation in writing. Who pays th Utilitis, th Tnant or Landlord? What kind, i any, Scurity is availabl? Do windows and

doors hav propr locks that nsur prsonal saty &scurity?

I you wish or nd to nd th tnancy arly, ar you allowdto sublt?

Modications; is any prsonalization o th rntal unit

allowd, such as paint and wallpapr? I a yard is availabl,can a gardn b plantd?

Ar pts allowd? You may not hav on, what about yournighbors?

I you do nd up signing a las with a Landlord and ths issus

ar covrd, mak sur you gt thm in writing in th las toavoid any conusion.

For urthr qustions that you may wish to ask rgarding yourprsonal saty, plas rr to Crim Fr Multi Housing on

pag 8.

Wht t k the Prpectve Llr

Whe y re lkg r plce t ret, y hl hve cler e wht ywt expect. Hve lt qet rey t c whe y meet wth

yr prpectve Llr.


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Landlords ar intrstd mostly in whthr or not rnt paymnts

ar mad on tim, i you can show good rnt pay habits you armor likly to hav your application or rnt approvd.

This is a grat bnt or Tnants bcaus:

Rporting good rnt pay habits stablishs a good Tnant

history, which is an obvious bnt whn applying or nwliving accommodations.

Landlords ar mostly intrstd in Tnant worthinss. i.. Doyou pay your rnt on tim? I you hav a good Tnant history

but a bad crdit history, most Landlords would likly accptyou as a Tnant. Thy car mostly that you mak your rnt

paymnts in a timly mannr. TVS ors a Crticat o Satisactory Tnancy. A Landlord

can prsnt this to a Tnant at th nd o th las prioddmonstrating whr rnt paymnts hav bn mad on timand all obligations o th las hav bn mt. Tnants can

thn show this to utur Landlords. It can b vrid at www.Tnantvrication.com .

Always pay th rnt on tim in accordanc with th trms o th

las. Rspct th rntal proprty and any othr nighbors, thiswill bnt you and hlp to dtrmin your Tnant worthinss

in th ys o a Landlord, which can b rportd to a uturLandlord.

In ssnc, what w ar talking about is crdit & Tnantrsponsibility and accountability; ths ar ky actors in bing a

good Tnant.

Reprtg Yr Tet Py Hbt

c be G Thg!TVs Tet Verfct servce ic. e the leg Llr/Tet

reprtg ervce nrth amerc tht beeft Tet. ave yr Llr

tht y wl lke t etblh g Tet htry, tht yr tmely py

hbt c be reprte t www.Tetverfct.cm . Th c cterct b

cret htry therere r y greter pprtty t btg better

lvg ccmmt.

Yr Llr c bt

mre rmt t

www.TetVerfct.cm

r by cllg tll ree t

1-877-974-9328 pek

wth lve repreettve.
http://www.tenantsinfo.com/http://www.tenantverification.com/http://www.tenantverification.com/http://www.tenantverification.com/http://www.tenantverification.com/http://www.tenantverification.com/http://www.tenantverification.com/http://www.tenantverification.com/http://www.tenantverification.com/http://www.tenantsinfo.com/http://www.canadarentalguide.com/


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Tet avccy Grp

There re mer Tet vccy grp crC. Thee grp hve bee r r my

yer re beefcl rmtve r Tet,

epeclly Tet experecg prblem wth

Llr.

The llwg lt tpc t re whe cltg

Tet vccy grp:

Tnants rights inormation

How to rsolv disputs and conficts with a Landlord Lgal inormation or Tnants Inormation on victions Inormation rgarding sction 8 or low incom housing How to handl rpairs with your Landlord

Inormation on rnt control and stabilization Inormation on scurity dposits and how thy ar managd Inormation on aordabl housing Inormation on sa, halthy living Publications and nws itms

Changs in th laws with rgards to Tnants and Landlords

Inormation on municipal and local bylaws Workshops that ar ord to ducat on Tnants rights

Joining a Tnants advocacy group joins your voic with othrs. Iyou liv in an apartmnt building or condominium, you may want

to orm your own association or group within th building i ondos not alrady xist. Voic your idas and concrns, and as agroup approach th Landlord with ths. Bing rasonabl andmaking vry ort to work with th landlord to sttl an issu isusually th bst solution.

Th ollowing wbsit links provid you with inormation that canbnt your utur:

http://www.how.com/list_6653743_landlord-tnant-rights-canada.html
http://www.tenantsinfo.com/http://http//www.ehow.com/list_6653743_landlord-tenant-rights-canada.htmlhttp://http//www.ehow.com/list_6653743_landlord-tenant-rights-canada.htmlhttp://http//www.ehow.com/list_6653743_landlord-tenant-rights-canada.htmlhttp://http//www.ehow.com/list_6653743_landlord-tenant-rights-canada.htmlhttp://www.tenantsinfo.com/http://www.canadarentalguide.com/


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Crme Free Mlt-Hg

Crme ree mlt-hg prgrm tht h bee r ce 1992. it wfrt evelpe Me aZ, bt h ce pre t th cte cr

nrth amerc ther cte ctre the wrl. The e beh crme

ree mlt-hg t rece crme, rg gg ctvty mlt-hg

t ch prtmet cmplexe.

Thr ar thr stps to complt undr th guidanc o a local polic dpartmnt, upon succssulcompltion; th Landlord is thn crtid. I you ar looking to rnt in an apartmnt complx, askth Landlord i thy hav bn crtid by Crim Fr Multi Housing, and/or dos th building mt

Crim Fr standards?

Thr ar many bnts to living in a complx whr th Landlord has gon through th Crim FrMulti-Housing crtication. It is hopd that i nough Tnants dmand Crim Fr Housing, that vryLandlord will willingly participat in this program or th saty and scurity o thir Tnants, you hava right to liv in a crim r nvironmnt.

Thee beeft cle:

Rducd drug and othr illicit activity Rducd gang activity Ongoing scurity managmnt and monitoring

Adquat locks on doors, windows, and propr lighting that hlp to prvnt intrusion. Propr maintnanc o th surrounding landscap Rsidnt scrning to hlp wd out bad and criminally activ Tnants Rducd risk to halth and saty o Tnants in rgards to marijuana grow ops and

mthamphtamin labs.

Th crim r multi-housing program has provn succssul in th communitis whr it has bnimplmntd.

So rmmbr, as part o your du dilignc whn sarching or nw rntal accommodations, inquirabout Crim Fr Multi-Housing and Crim Fr Standards, and rr th Landlord to http://www.

crim-r-association.org/multi-housing.htm.
http://www.tenantsinfo.com/http://www.crime-free-association.org/multi-housing.htm.http://www.crime-free-association.org/multi-housing.htm.http://www.crime-free-association.org/multi-housing.htm.http://www.crime-free-association.org/multi-housing.htm.http://www.tenantsinfo.com/http://www.canadarentalguide.com/


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Brekg Retl Lee: Plg aheSally Anderson is a writer and editor based in Seattle.

Eve the mt t Tet mght t me pt hve t brek lg-term

lee bece jb trer, helth prblem, r elpg t Ethp. i y

hve y pc tht y mght hve t mve t bere yr lee term p,

the bet wy t he prblem t tlr yr retl erch ccrgly. Eve

y re mwy thrgh yr term, thee tp wll help y thrgh the prce

erly brekp wth yr retl.

1. Lk bere y lee

Whil you ar prusing that crisp nw las, on th vrg o committing yoursl to a yarlong rntal,hold that ttring pn a minut. I th trm o your las sms dicy or any rason, considr ashortr-trm rntal or a month-to-month contract. You will sacric som scurityrnts can risbtwn rnwals, or your Landlord may dcid not to rnwbut th buckt o mony you will sav

vrsus braking a long-trm las is worth th pric o som nail chwing, or vn a slightly highrrnt. (This typ o agrmnt is also riskir or Landlords, sinc it costs thm xtra tim, nrgy, andmony to ll mor rqunt vacancis.)

Anothr solution may b to rnt rom an individual rathr than a corporation. Dspit thir bst

intntions, managrs o rntal complxs otn hav lss fxibility to ngotiat whn a Tnant has to

vacat bor th las is up.

As with most contracts, las guidlins vary by stat. Mmbrs o th military, or xampl, can insom stats, undr som conditions; lgally brak a las without rprcussions, but vn this isnot a univrsal truth. Find out what your rights and options ar. Stat guidlins ar asy to nd on

th Wb.

2. negttg Erly-Relee Cle

Any las agrmnt worth th pric o admission will spll out your and your Landlords obligations

i on o you braks a las trm. Howvr, vn i you hop to stay in your rntal until dath do youpart, it is smart to add an arly-rlas claus in cas an mrgncy ariss.

Most arly-rlas clauss stat that in cas o arly dpartur, th Tnant ows on or two months oxtra rnt or will b rsponsibl or paymnts until a nw Tnant is ound whichvr happns rst. Th

Tnants scurity dposit may also b oritd, i allowd by th stat. This may sound painul, butkp in mind that w ar talking about braking a lgally binding contract, and try to b humbl.In most stats, Landlords ar not rquird to ngotiat trms not covrd in th original las or


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subsqunt writtn amndmnts. This givs you xtra rason to b polit and rasonabl duringlas ngotiations. I a problm dos occur in th utur, your Landlord will know that your hart is inth right plac.

3. Rg Empty

Suppos you signd a boilrplat las with no arly-rlas claus, and you hav bn in your nwplac or thr months. Suddnly you hav a job or you cannot rus, but it is in Toronto and youar in Vancouvr; or you tak a suddn, atal hit on your incom and cannot aord your monthly rnt;or your apartmnt turns out to hav mildw problms and your Landlord has ignord your halth

complaints. Here re me t t help y mke the bet thg whe y re

rg empty.

donT....

...Tak o without notic. Think o vry rntal xprinc as bing marrid to your crditrport. I you skip out, not only do you los th chanc to build up your crdit, but it can also

crat a dp, dark goug in your crdit rport, acting your utur ability to qualiy or acrdit card or buy a hous or car.

...Prtnd you ar still a Tnant. Your Landlord dsrvs to xpct that his proprty isoccupid, and it is almost crtain that your las stats that as a condition. Bliv it or not,its not all about mony: I you vacat, th law is rarly on your sid, vn i your rligious

about snding paymnts. You can b hld in dault, and your Landlord may hav lgal claimto your blongings.

...B dnsiv about ngotiations. Th point hr is to accomplish thr things: 1) mov; 2)maintain a good Landlord-Tnant rlationship; and 3) avoid blmishing your crdit history. Th

quickst way to guarant a bad nding is to com out o th wild blu thratning a lawsuit,spcially sinc you probably would not com out as th winnr.

do...

...B straight-up. I your rason or wanting to mov might b xd with a putty kni or anhonst convrsation, mak an appointmnt to talk with your Landlord. Do not b shy; this is

your hom.

...Trat your Landlord with rspct. Lt him/hr know as soon as possibl that you might

hav to brak your las, so that you can discuss th possibilitis and thy can gt startd onnding a rplacmnt. In most stats, Landlords ar rquird by law to mak an arnst ort

to ll vacancis, vn i a Tnant braks a las.

...Ask your Landlord i h/sh is amnabl to a nw lasholdr or sub lss taking ovr thrmaindr o your las. (Th nw Tnant would b subjct to his/hr approval, o cours.) Ithis was disallowd in th original las and h/sh agrs to an amndmnt, b sur to putit in writing, with both o your signaturs, and do not walk away without a copy. A cautionary


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NOTe: I you sublt, as th primary lasholdr you will still b rsponsibl or utur rntpaymnts, proprty damag, and th lik i th sub lss daults on paymnts. I a nwTnant bcoms th lasholdr, you ar out o th pictur. Whil that might mak you

happir, ithr option is prrabl to bing unprotctd.

Show your Landlord that you car. Or to locat a nw sub lss or lasholdr yoursl.Contact rinds, amily, and coworkrs or lads, and b willing to placand pay orads.

B rst to bring up compnsations or your Landlord or th troubl your situation prsnts tohi/hr, using th arly-rlas claus guidlins as a starting point.

4. dpte other Wrt-Ce scer

I your orts to ngotiat go bust, what is th worst that could happn? You could nd up bingorcd to stay or orcd to pay, dpnding on th wording o your las. I you vacat without an

arly-rlas claus, in addition to continuing rsponsibility or monthly rnt you might hav to payor your Landlords advrtising, claning, and othr costs.

Whn a Tnant braks a las, th law is almost invariably on th Landlords sid, so you can b surthat pursuing a solution in small claims court would add to your dbt rathr than com to your aid.I you hav trid ngotiating and your Landlord still will not giv an inch, your nal option may b to

contact a mdiator. Mdiators ar usually publicly undd and availabl r or at low cost. To nd outwhthr on is availabl in your ara, contact th oc o your mayor or city managr and ask to talkwith somon about housing disputs or Landlord-Tnant mdiation.

I your disput stms rom your Landlord not abiding by th las trmssay, by not xing a lakyciling or ignoring an nvironmntal hazardagain, try rst to iron it out with a discussion. I this

nds in a stando, or halth-rlatd issus contact your local Halth Dpartmnt. Thy will do aninspction and, i ncssary, pursu action against th Landlord thmslvs, without your having togt involvd or brak your las.

5. Frm tre t cce

Moving is strssul vn undr th bst o circumstancs, i you hav to brak a lgal contract,

addrss your Landlord with rspct and willingnss to compromis. You might both gt what youwant.


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The 4 key t Gret Cret

Yr cret htry c mke r brek y whe tryg t cvce leer y re g rk. Here hw t bl the bet recr y cbere y ee t.

By Liz Pulliam Weston, edited for Canadian version.

Gettg cret whe y t hve yr whe y re recverg rm cret ter, lke

bkrptcyc be tg.

Without a good crdit history, it is hard to gt nw crdit. But without crdit, its tough to build agood crdit history, but ar rom impossibl. evry day, popl tak stps that stablish and improvthir imag in th ys o lndrs. So can you. Hr is what you nd to do:

1. ope checkg vg cct

Having ths bank accounts stablishs you as part o th nancial mainstram. Lndrs want to knowyou hav a chcking account availabl to pay bills, and a savings account indicats you ar putting

asid somthing or th utur.

Opning bank accounts is somthing you can do vn i you ar too young to stablish crdit in yourown nam. Until you ar 18, you cannot lgally b hld to a contract, so any crdit you gt will havto b through an adultithr somon who co-signs a loan or you, adds you to thir crdit cards or

opns a joint account with you. Having bank accounts, though, gts you startd on th right path andgivs you practic in managing your mony.

2. Get yr cret reprt y hve e

Nxt, you nd to nd out how lndrs viw you. Most bas thir dcisions on crdit rports, whichar compild by or-prot companis known as crdit buraus. You ar ntitld to a r crdit rportrom th two major buraus ach yar.

Typically, a crdit rport includs idntiying inormation about you, such as your nam, addrss,Social Insuranc numbr and birth dat. Th rport may also list any crdit accounts or loans opnd

in your nam, along with your paymnt history, account limits and any balancs you ow.I you ar young or nwly arrivd in Canada, you may not hav a rport or it may hav littlinormation. I you hav had crdit problms, your rport will list thm.


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17


3. Fx y errr r m

Som crdit rports includ rrorsaccounts that do not blong to you or that includ out-o-dat

or mislading inormation. You should rad ach o your thr rports and not anything that isincorrct.

Ngativ inormation, such as lat paymnts, dlinquncis, lins, and judgmnts against you, shouldb droppd atr svn yars. Bankruptcis can stay on your rport or up to 10 yars.Onc you hav a list o problms, ask th buraus to invstigat rrors listd on thir rports. You canus th orm that cam with your rport i you rcivd it by mail, or us th Wb link i you accssd

your rport on th Intrnt.

4. a ptve rmt t yr reprt

Th mor inormation you can provid about yoursl, th mor comortabl lndrs may l

xtnding crdit to you. In addition, crtain inormationsuch as having th sam job or addrss or aw yarscan mak you appar to b mor stabl in lndrs ys. Whil this inormation isnt usdin crating your crdit scor, its otn usd by lndrs in addition to crdit scors to mak lndingdcisions. You may also nd that your rport dos not includ crdit accounts or othr inormationthat it should.

TiP: The rmt th lk gve y ght tht y cl beeft rm.

Gret rmt!

http://pblct.gc.c/cllect/cllect_2009/cc-cc/FC5-8-25-2008E.p
http://www.tenantsinfo.com/http://publications.gc.ca/collections/collection_2009/acfc-fcac/FC5-8-25-2008E.pdfhttp://publications.gc.ca/collections/collection_2009/acfc-fcac/FC5-8-25-2008E.pdfhttp://www.tenantsinfo.com/http://www.canadarentalguide.com/


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18


irmt t lk r whe revewg yr

cret reprt1. Is your mployr and your job titl listd? I you hav had th job lss than two yars, your prviousmployr and job titl should b listd as wll.

2. Is your addrss listd and corrct? I you hav bn thr lss than two yars, is your prviousaddrss listd as wll?

3. Is your Social Insuranc Numbr listd and corrct? This is th way most lndrs will idntiy you.

4. Is your tlphon numbr listd and corrct? Many lndrs may not xtnd crdit i thy cannot

call you to vriy inormation.

5. Dos your rport includ all th accounts you hav paid on tim? Som lndrs do not rportrgularly to crdit buraus, and som rport to only on. You can ask th crditor to rport thaccount to a burau that dos not list it. I th crditor russ or dos not rspond, you can snd a

lttr to th burau with a copy o your latst statmnt and canclldchqus to prov you ar paying on tim.


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19


There re three cmm rte r

etblhg ew cret:1. apply r eprtmet tre g cr.

Ths ar usually asir to gt than major bank crdit cards such as Visa or MastrCard.

2. Cer tkg t mll perl l rm yr lcl bk r cret pyg the

mey bck ver tme.

Th bank may rquir you to put up som collatralsuch as th sam amount you ar borrowing,dpositd into a savings account. But th loan, i rportd to th crdit buraus, can still hlp buildyour crdit history. Mak sur that it will b rportd bor you borrow th mony.

3. apply r ecre cret cr.

Ths work somthing lik th loan dscribd abov: You dposit a crtain amount at a bank, andin rturn, you ar givn a Visa or MastrCard with a crdit limit about qual to th amount youdpositd. Avoid any card that chargs a big upront or procssing your application or a high

annual .

oce y hve cret, e t rght.

Charg small amounts on ach cardbut nvr mor than you can pay o ach month. You ndto us crdit rgularly to stablish your crdit history, but thr is usually no advantag to paying

intrst on thos chargs. Onc you hav bn approvd or on card or loan, do not rush out and apply or svral mor.Applying or too much crdit will hurt, rathr than hlp, your scor.

Pay your bills on tim, all th tim. This includs houshold bills such as utilitis and tlphonas wll as your crdit card bills and loans. Lat paymnts on any o ths accounts can wind upin your crdit rport, and can rally hurt your crdit scor, th thr-digit numbr widly usd by

lndrs to valuat your crditworthinss. Do not max out your crdit cards. In act, do not vn com clos. Try to avoid using mor than

30% or so o th crdit you hav availabl to you vn lss, i you can. Your crdit scor masursth dirnc btwn th crdit availabl to you and what you ar actually using. Th smallrthat gap, th mor it hurts your scor. Lndrs will worry that you ar bcoming ovrxtndd

and will not b abl to pay your bills i you charg too much. Do not bcom an Idntity Tht Victim: http://www.crmlr.cm/etty-r.php
http://www.tenantsinfo.com/http://www.criminalfraud.com/identity-fraud.phphttp://www.criminalfraud.com/identity-fraud.phphttp://www.tenantsinfo.com/http://www.canadarentalguide.com/


20/23


Hg Fer Checklt

am i Prepre

Do I hav drivrs licns? o Ys o No

Do I hav prsonal, Landlord and mploymnt rrnc inormation? o Ys o No

Did I bring pay stub, T4, or latst bank statmnt? o Ys o No

Qet r Llr

Dos rntal conorm to Crim Fr Housing Standards? o Ys o No

Ar thr scur door and window locks? Important! o Ys o No

Ar thr any currnt maintnanc issus that nd to b rctid? o Ys o No

Is thr propr lighting in rntal, in hallways, stairways and in parking lot? o Ys o No

Is subltting allowd? o Ys o No

Ar modications such as painting allowd? o Ys o No

Is Landlord currnt on mortgag? o Ys o No

Has Landlord vr had a orclosur or bankruptcy? o Ys o No

Dos Landlord plan on slling? o Ys o No

Do thy rport Tnant pay habits to TVS Tnant Vrication Srvic Inc.? o Ys o NoAr pts allowd? o Ys o No

Has rnt bn discountd? I so why? o Ys o No

How ar rpairs and maintnanc handld?

How is rnt collctd; in prson, by mail, onlin or post datd chcks?

Who pays utilitis, Landlord or Tnant?


21/23


Lct irmt

sme qet r Llr, ther re r w e lgece.

Is thr a school clos by? o Ys o No

Is thr a hospital or mdical acility clos by? o Ys o No

Is thr shopping and amnitis clos by? o Ys o No

Ar surrounding houss nat and ordrly? o Ys o No

I apartmnt ar balconis, hallways, laundry and grounds kpt up? o Ys o No

I apartmnt do nighbors sm loud? o Ys o No

Prperty irmt

Prospctiv rntal proprty addrss:

Landlords nam: Phon numbr:

Monthly rnt amount: Scurity dposit amount:

Leg irmt

Is las in writing and has it bn rviwd o Ys o No

Ar all issus and concrns covrd in th las? o Ys o No

Has a mov in inspction orm bn compltd? o Ys o No

Nots:


22/23


Mve i CheckltIt is a good ida to tak photos or vrication

G/Cle G/Cle G/Cle

Y NRepairsNeeded

Y NRepairsNeeded

Y NRepairsNeeded

KiTCHEn BaTHRooM LiVinG RooM

Doors Doors Doors

Floors Walls Walls

Stov Floor Ciling

Rrigrator Toilt Floor/ Carpt

Countr Tops Sink elc. Fixturs

Sink Tub/Showr Clost/Shlvs

elc. Fixturs elc. Fixturs Furnitur

Window Clost/ShlvsCabint Furnitur

Furnitur

Othr

BEdRooM #1 BEdRooM #2 BEdRooM #3

Doors Doors Doors

Floor/Carpt Floor/Carpt Floor/Carpt

elc. Fixturs elc. Fixturs elc. Fixturs

Clost/Shlvs Clost/Shlvs Clost/Shlvs

Furnitur Furnitur Furnitur

Windows Windows Windows

Walls Walls Walls

dininG RooM MisCELLanEous MisCELLanEous

Doors Scrns Patio/Dck

Walls Blinds Built in Vac.

Floor/Carpt Porch Draps

elc. Fixturs Stairs

Clost/Shlvs Smok Dt.

Windows Yard

Tnants signatur Dat

Landlords signatur Dat


23/23


insTRuCTionsall reqet r mtece r repr mt be wrtg.

Plee cmplete th rm ml, x r elver t the Llr re.

i the repr emergecy, plee ctct Llr mmetely.

Dat: Tim:

Addrss:

Problm or work rquird:

I th rpair rlats to any o th ollowing appliancs, plas list th mak and modl.

Stov Ovn

Dryr Dishwashr

Hot Watr Tank Washr

Microwav Fridg

Air Conditionr Furnac

Tnant Nam(s): Hom Phon: Work: Cll:

Accss to proprty: o Tak a ky o Tnant will b homTnants prrrd tim and dat or rpairs:

i hereby gve perm t the Llr /r t tre peple t eter the prperty wth the

key mke the ecery repr i m t preet.

Tnants signatur Dat

The bve mtece /r repr hve bee perrme tctrly.

Tnants signatur Dat

Tnant Rqust or Maintnanc Form

the tenant's guide to renting

Documents