Q: I’ve been having an issue while trying to rent a condo apartment. I have a good job, drive a nice car and have a credit score of 690. The condo’s board has refused to let me rent in their building because they say the rules require a minimum credit score of 700. Are they allowed to deny my application for this reason? —Gordon

A: Yes, they probably can.

Condominium boards often have the authority to set rules and standards for who can rent or live in their building. These rules are outlined in the condo association’s governing documents, such as the bylaws or rental policies.

A minimum credit score requirement is a common way for boards to evaluate financial reliability and reduce perceived risks. If their rules clearly state that renters must have a credit score of 700 or higher, they are within their rights to enforce that rule.

That said, there are several steps you can take to understand your situation better and possibly challenge the decision.

First, review the condo’s rules and policies by requesting a copy of the condo association’s bylaws or rental policies. As a prospective renter, the landlord may need to do this part. Look for specific language about credit score requirements.

If the rule is clearly stated, the board is likely acting within its authority. However, if the rule is unclear or inconsistently applied, there may be grounds to question their decision.

Also, rules like this cannot be discriminatory. While condo boards can establish reasonable rules, they cannot discriminate against applicants based on protected characteristics such as race, religion, gender, disability, or familial status under Fair Housing rules.

Nor can it use any "rule" as a pretext for discrimination, such as if the credit score requirement is only being applied against people in a protected class, for example, people of a specific religious affiliation.

Since your credit score seems to be the only issue, and is very close to the threshold, try reaching out to the board to explain the situation and supply evidence of your financial stability, such as proof of income, savings, or a history of on-time rent payments.

Some boards may be willing to make exceptions or reconsider their decision if you demonstrate reliability as a tenant.

If the board remains firm, exploring other rental options might be the best approach, as not all condos have the same requirements.

Another option is to speak with a reputable credit repair agency to see if they can quickly raise your score.

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