Credit checks feel high stakes because credit scores matter in so many parts of life. The good news is that most rental background checks don’t hurt your credit score in the way people fear. The confusion usually comes from not knowing what type of check is being used and how it shows up on your credit report.

If you’ve ever applied for a rental and wondered what’s actually being reviewed behind the scenes, you’re not alone. Many renters assume property managers are looking for one perfect number or a single red flag that decides everything. That’s not how it usually works. In Colorado, tenant screening is made up of a few core checks that help property managers understand risk and fit. None of them tell the full story on their own. And none of them make decisions by themselves.

This guide breaks down the most common screening errors, how to review your report, and what to do if something doesn’t look right. We’ll keep it clear, practical, and focused on Colorado rules, so you know where you stand and what steps you can take.