No, the BoomScreen Tenant Screening Process Will Not Affect Your Credit Score
BoomScreen performs a soft credit check — not a hard credit check — as part of the tenant screening process. A soft credit check does not affect your credit score in any way, regardless of how many times it is performed.
What Is the Difference Between a Soft and Hard Credit Check?
Understanding the difference between a soft and hard credit check can help clarify why the BoomScreen screening process does not impact your score:
Soft credit check — a review of your credit report that does not affect your credit score. Soft checks are typically used for background checks, pre-approvals, and tenant screening. BoomScreen performs a soft credit check.
Hard credit check — a review of your credit report that does appear on your credit report and can temporarily lower your credit score by a small amount. Hard checks are typically performed when you apply for a loan, credit card, or mortgage.
What Does BoomScreen's Credit Check Look At?
Although a soft credit check does not affect your score, it does allow the property management company to review relevant credit information as part of your tenant screening report. This may include:
Your overall credit score
Your payment history — whether you have consistently paid bills and debts on time
Outstanding debts — balances owed on credit cards, loans, or other accounts
Accounts in collections — any debts that have been sent to a collections agency
Length of credit history — how long your credit accounts have been open
The specific credit factors reviewed and how they are weighted in the final application decision are determined by the property management company, not by Boom.
Will Applying to Multiple Properties Affect My Credit Score?
No. Because BoomScreen uses a soft credit check, applying to multiple properties through BoomScreen will not affect your credit score, regardless of how many applications you submit.
Frequently Asked Questions About Credit Checks
What if I have a low credit score? Will I be automatically disqualified?
A low credit score does not automatically disqualify you from renting a property. Each property management company sets its own credit requirements, and some may be more flexible than others. Options that may help strengthen your application include:
Adding a guarantor or co-signer — a guarantor with a strong credit history can help support your application. See the article "Can I Add a Guarantor or Co-Signer to My Rental Application?" for full instructions.
Providing additional proof of income — demonstrating strong, stable income may help offset a lower credit score, depending on the property management company's requirements.
Can I see the credit information included in my screening report?
Yes. You are entitled to request a free copy of your tenant screening report — also called your consumer file — for any rental application submitted within the past 60 days, at no cost to you. To request a copy, visit the Boom Consumer Relations page — https://www.boompay.app/consumer-relations.
What if I believe there is an error in my credit information?
If you believe your credit report contains inaccurate or incorrect information, you have the right to dispute it. Visit the Boom Consumer Relations page — https://www.boompay.app/consumer-relations — and click "Get Help With Application Reports" to submit a dispute. See the article "How Do I Dispute the Decision on My Rental Application?" for full instructions.
Need Help?
If you have questions about the credit check process or your BoomScreen application, contact Boom Support directly:
Email Boom Support — hello@boompay.app
Live chat — click the “Get support” icon in the top right corner of the BoomScreen application.