What is Landlord Credit Bureau?

Landlord Credit Bureau (“LCB”) is a credit and consumer reporting agency, commonly known as a Credit Bureau.

LCB is a unique Credit Bureau and was formed solely to serve the rental housing industry by supporting both Landlords and Tenants.

LCB maintains a database of verified Tenant Records. LCB verifies the identity of each landlord prior to accepting Tenant Records to prevent the fraudulent references prevalent in the rental housing industry today. As a result, LCB Tenant Records are uniquely valuable for Landlords when screening applicants and for helping Tenants access housing by showing a positive rental history despite any poor credit or no credit.

In addition to rental payment history, Tenant Records contain the verified contact information for previous Landlords. Tenants can seek out Landlords who use Landlord Credit Bureau knowing they are actively helping them build a positive Tenant Record.

A LCB Tenant Record is a record of current and former rental history which includes rental payment history (e.g. on-time, late, debts), identity verified past and present Landlords’ contact information, and inquiries.

If debts are owed, Landlord Credit Bureau encourages Landlords and Tenants to work towards a mutually beneficial payment plan. If a payment plan is in place and a Tenant is paying according to the plan, no debts may be reported to Landlord Credit Bureau. Payments according to the payment plan should be recorded as being paid on time and the Tenant can use them to build a positive Tenant Record. However, if a Tenant stops paying according to the payment plan, the total outstanding debt may be recorded.

If a Tenant believes a debt is being reported when there is a payment plan in place, please follow our dispute process outline here. When submitting please attach a copy of the payment plan signed by both parties and proof of payment.

Prior to reporting to Landlord Credit Bureau review our Legal Framework. Landlord Credit Bureau accepts rental history data from FrontLobby. Both Landlords and Tenants can create an account on FrontLobby to initiate rent reporting.

Start reporting rent payments to Landlord Credit Bureau by visiting FrontLobby.

Landlord Credit Bureau is the rental housing industry’s Credit Bureau. LCB was formed solely to serve the rental housing industry by supporting both Landlords and Tenants.

Working with Landlords and Property Managers of all sizes, LCB enables rental history data to show on a Tenant Record.

For Tenants with poor credit or no credit, but a history of always paying rent, they find it harder to secure housing. A Tenant Record enables Tenants who may otherwise be overlooked, to show potential Landlords that despite a low credit score, they are a responsible and should be rented to.

When Landlords report to Landlord Credit Bureau they are actively helping their responsible Tenants build a positive Tenant Record. Reporting to LCB also helps Landlords reduce their delinquencies and recover rental debts.

Landlord Credit Bureau is a registered reporting agency and strives to assist Tenants with the creation of beneficial Tenant Records, protect Tenants from inaccurate information being reported, as well as help Landlords who might otherwise resort to reporting to an illegal Tenant blacklist.

For the benefit and protection of Landlords, Property Managers and Tenants, there are protections in place to help ensure that usage is compliant with relevant legislation, that the data provided is accurate, and that all users identifications are verified. There is also a dispute resolution process available should there be any concerns.

For additional details on compliance, read Landlord Credit Bureau’s Legal Framework.

Landlord Credit Bureau does not maintain any blacklists. Landlord Credit Bureau is a credit and consumer reporting agency, neutrally incorporating positive and negative rental history information into Tenant Records. Landlord Credit Bureau provides a formal and regulated mechanism and is improving the accessibility and transparency of the rental ecosystem which we hope will eliminate the unfair and illegal blacklists in existence.

Just as important as the ability to report delinquent behavior, is the capability for Landlords and Property Managers to report responsible behavior from Tenants who uphold their commitments and should be rewarded.

Over 94% of the Tenant Records with Landlord Credit Bureau are for responsible Tenants who do not owe any debts, and their Landlords are assisting with the benefits of positive Tenant Records.

Tenants can access their Landlord Credit Bureau Tenant Record for free by submitting a Tenant Record Request Form and documentation to verify their identity.

After receiving a Tenant Record Request Form, Landlord Credit Bureau will email or mail the consumer their Tenant Record or inform them if no record was found.

You may request your Tenant Record here.

LCB Tenant Records are accessible to Landlords and Property Managers for rental housing screening purposes through our reseller Frontlobby.

Landlords can access LCB’s database by pulling a Credit Report from FrontLobby. FrontLobby’s Credit Reports include a detailed Equifax Credit Report with credit score, as well as a Tenant Record from Landlord Credit Bureau.

Tenant Records are ID verified records which include payment history and the contact information for current and previous Landlords.

Start screening Tenants by obtaining a Credit Report from FrontLobby.

Landlords often pull tenant credit checks in Canada as part of the screening process. This is because a good credit score can indicate someone who is reliable and financially responsible. Some Housing Providers fear a Tenant with poor credit may be more likely to default on rent or damage the property.

For these reasons, it’s important for Tenants to make sure their credit score is in good shape, before applying to rental properties. There are a few simple steps that Tenants can take to improve their credit score, such as paying bills on time, maintaining a good credit history, and having their rent reported to Credit Bureaus each month. By taking these measures, Tenants can increase their chances of being approved for a rental property.

When Landlords are ready to perform a credit check on a Tenant they will need the following: Name, Address, Date of Birth, and SIN (optional). The best way to get this information is to have the applicant fill out a Tenant credit check authorization form.

To perform a credit check on a Tenant visit FrontLobby.com

FrontLobby’s Tenant credit checks are designed for the rental industry, featuring all the information you need at an affordable price (just $9.99/report).