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Credit, past evictions and accommodation requests

Answers

An accommodation is about the animal, not about the application.

They are separate questions

A provider may apply ordinary financial criteria: income, credit, rental history, references. A reasonable accommodation relating to an animal does not exempt you from any of it, and a provider declining on credit is not refusing the accommodation.

Where an accommodation can touch screening

  • Where the criterion itself screens out people with disabilities without justification, which is a different and much harder argument.
  • Where an eviction or a debt arose directly from a previously refused accommodation, which is worth explaining with the record attached.
  • Where a provider will consider a different form of assurance, such as a guarantor, which many will if asked.

What does not work is presenting an accommodation request as an answer to a credit problem. It invites the suspicion that the request is tactical, and it makes an otherwise good accommodation request harder to take seriously.

Screening reports

If you are declined on a tenant screening report you are entitled to an adverse action notice naming the agency, and to see and dispute the report. Errors in these are common, and that is a more productive route than the accommodation argument.

Common questions

My eviction was because of a refused accommodation.
Then it is worth explaining, with the documentation. A provider is not obliged to overlook it, and an explained record is considerably better than an unexplained one.

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A clinician licensed in your state reviews it and decides. The fee is refunded if they decline to issue, because a review that cannot say no is not a review.

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