Are There Rentals That Don't Interrogate Your Life to Apply?
By - Hardcore90skid
Never, ever give your SIN out to anyone but a legit employer. Full stop.
That's what I was thinking too, seemed very sketch
I have never had a rental ask me this much info. Usually just an employment letter/reference, and a credit check
LEAVE RIGHT NOW don’t ever give your SIN number out unless you got hired for a job! They can steal your identity with that!!!
You can tell them you aren't willing to provide that info and alot of them will let you go forward with the process anyways if you come across like a good tenant.
There’s lots that don’t do this I’m sure. Never ever ever give your SIN number to a landlord. Also check out the privacy laws under [PIPEDA](https://www.priv.gc.ca/en/privacy-topics/privacy-laws-in-canada/the-personal-information-protection-and-electronic-documents-act-pipeda/) that apply to the landlord-tenant relationship. You do not need to provide that amount of banking history and nor should anyone ever. I can’t really give you advice on what companies to trust because every landlord in Toronto I’ve ever have has been shady. The last one seemed okay and didn’t mind that I didn’t want to provide my SIN but I’ve found out they forged my signature on documents. Thing is they have a powerful lawyer who’s now threatening me saying I’m causing other tenants to not reasonably enjoy their units because they know they fucked up. All I can say is never give them your pay stubs/bank statements instead opting for an employment letter and never give a SIN.
Thanks. As much as it's a dream apartment, I will look elsewhere.
Yeah definitely don’t open yourself up to identity theft or anything else for a place to move. I know it’s really tough out there because I was in the same spot.
as someone who also had sketchy landlords and is going to be looking to rent again, what is a reasonable amount to provide? How can you better filter landlords?
2-3 bank statements + credit check + verbally saying you're employed/providing proof of employment is enough. Under no circumstances should you give SIN to landlord or landlord's agents.
Realtor here, I've helped many tenants obtain rentals, and none have asked for SIN and bank account statements. The usual documents are ID, credit check, employment letter, and 2 paystubs.
Since COVID-19 landlords have been taking more steps to protect themselves. This might be the new neim.
For a landlord it can cost $24,000 + to evict a tenant and lost income. Yup we are going to audit your life.
I’ve been asked for bank statements or paystubs as an alternative to credit checks and reference.
Sin can be used for credit checks i think but i again shouldn’t be mandatory.
[Refer to here to make sure](http://www.ohrc.on.ca/en/human-rights-tenants-brochure)
Which all make sense but these guys were asking for ALL of those. Way too much.
>Seriously, they're asking for 6 months of bank statements
Makes sense, to make sure you're not irresponsible with money and therefore will be able to pay rent every month.
> AND paystubs,
Makes sense, to make sure you're gainfully employed, and therefore will be able to pay rent every month.
> AND a SIN, and a credit check.
Makes sense, the SIN is to help make sure the credit check is for you and not another person with the same name as you, and to make sure you're not drowning in debt and therefore will be able to pay rent every month.
> Fuck that.
Why? What will these things reveal about you?
They can ask for a SIN, but even the government strongly discourages giving it out to a potential landlord.
Of course they can run a credit check, but they don’t need a SIN number for that.
The bank statements will already prove I am gainfully employed.
It's just way too much effort. And I would be happy to provide non-SIN security questions to verify my identity (or provide a birth certificate and driver's license).
>The bank statements will already prove I am gainfully employed.
Not really, there's no way to tell where the money is coming from if it's a legal or not legal source.
>It's just way too much effort.
How so? If you can print out bank statements you can print out pay stubs.
> And I would be happy to provide non-SIN security questions to verify my identity (or provide a birth certificate and driver's license).
Sure? But SIN is less effort than birth certificate and drivers license and a bunch of security questions.
My bank statment that says '(company name) Direct Deposit' and a number to track is definitely enough. what, would I be selling drugs with direct deposit?
Yeah cuz no one can forge bank documents. If you don’t want to provide info to a potential landlord then move along to another. But most want to ensure who you are and that you can pay the rent and you’re a decent tenant. This happens with mom and pops and big rental companies. You could also go the route of some back alley deal but then you also run the risk of getting a crappy landlord that doesn’t run their rentals properly.
Ya cuz the person who forged bank documents is surely gonna be stumped by pay stubs...