As someone who's been both a tenant and a landlord I'm in favour of
tenant databases as it helps separate those that are responsible with their finances from those that are likely to have issues with paying rent on time.
Imo your creditscore is a great indicator of the likelihood of you being a deadbeat and there's nothing inherently racist about it. That being said i have been very discriminatory myself preferring to rent to families consisting of a husband and wife with good jobs and children in school as i expect less drama from them.
Thoughts on the concept of tenant databases and the story below?
https://www.propublica.org/article/how-your-shadow-credit-score-could-decide-whether-you-get-an-apartmentFuller, 57, found an apartment complex 3 miles away that billed itself as “luxury living” for people 55 and older, and she applied for a unit in early 2021. She figured she’d be approved: Her salary as a mental health services coordinator for the state of Maryland met the income requirements. She’d never been evicted and had brought her credit score up to 632 — which is considered fair — after a health crisis had forced her to file for bankruptcy eight years earlier.
Still, a few months later, when she logged into her online account with the property manager, she learned her application had been denied. No reason was given. She raised her credit score to 663 and applied to another complex owned by the same company, Habitat America, in August. Six days later her status again turned to “Declined.”
Fuller learned her rental application had been screened by RentGrow, one of more than a dozen companies that mine consumer databases to perform background checks on tenants. A form emailed to her said RentGrow determined she didn’t meet applicant screening requirements, highlighting in yellow the box labeled “credit history” as the reason.
...
The algorithms some screening companies use aren’t scrutinized by regulators and, tenant advocates say, may not accurately predict a tenant’s likelihood of paying rent. While screening companies say their algorithms remove the subjectivity of human judgment, advocates say the companies use data that can introduce racial or other illegal biases.
Fuller, who is Black, worried she might have been a victim of racial discrimination.