How do screening reports work?

(For renters)

When you apply for a property on Cozy, you have the option to include your credit report and background check with your application. Some landlords require it, but even if they don't, you can still purchase and submit your reports with your application if you'd like. 

Applicants pay for the reports, and those cost $24.99 each, or $39.99 for both a credit report and background check.

A few things to keep in mind: 

  • You can buy screening reports for yourself, but you're not able to run screening reports for another person. If you're applying with a partner or family member, they'll need to purchase their own individual reports.
  • Reports are available for 30 days after you buy them. 

Choose if you want to buy reports

As you fill out your application, you'll see a Screening Reports step. From here, you can choose which reports you want to buy, or uncheck "Include a credit report" or "Include a background check" to skip buying reports.  

Animated image of the screening reports section on a Cozy rental application

Answer security questions to verify your identity

If you're buying reports, you'll then be asked security questions in order to verify your identity. These are questions about your personal financial history that are on your Experian credit file. For example, you may be asked which address you have lived at (if any) or if you have a mortgage with a particular bank. 

Note: You won't be able to complete your screening purchase if you have a freeze on your credit file with Experian, or if you don't have a credit history with Experian. If you know your credit file is frozen, you can unfreeze it here. Please be sure to wait at least one hour before attempting the verification process as it takes some time for your credit file status to update.

When you purchase a credit report, the report will appear in your browser, and when you purchase your background report, we'll send your information to our background check partner and let you know as soon as your report is available. Your reports will also be included with your application.

Having trouble answering the security questions? See our tips for verifying your identity with Experian.

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