Credit Checks

Thorough Credit Checks for Confident Tenant Selection

.A tenant’s financial responsibility is key to protecting your rental income. At Seabird Property Management, we perform detailed credit checks to evaluate applicants’ payment history and financial stability, helping you choose reliable tenants with confidence.

Credit Checks

We provide comprehensive credit analysis to support your leasing decisions:


  • Credit Report Review: Examining applicants’ credit history and outstanding obligations.


  • Payment History Analysis: Assessing past reliability in paying rent, loans, or bills.


  • Debt-to-Income Evaluation: Determining financial stability for timely rent payments.


  • Fraud Prevention: Identifying inconsistencies or red flags in financial records.


  • Compliance Standards: Ensuring all credit checks comply with Fair Credit Reporting Act regulations.


2025 Legal Update: Medical Debt Exclusion


As of January 1, 2025, California Senate Bill 1061 prohibits the inclusion of medical debt in consumer credit reports.

This means:


  • Medical debt cannot be reported to credit agencies.


  • Medical debt cannot be used as a negative factor in credit decisions.


  • Contracts creating medical debt entered into on or after July 1, 2025, must include specific disclosure language or the debt will be void and unenforceable.


These changes aim to protect consumers from the negative impact of medical debt on their creditworthiness.

Why Choose Seabird Property Management?

Our credit check services give Oceanside property owners peace of mind by helping secure tenants who can consistently meet their rent obligations. By screening financial reliability upfront, we reduce risk and protect your investment.

📍 Serving Oceanside, Carlsbad, Vista, Encinitas, and surrounding communities.


👉 Contact Seabird Management today to schedule a property analysis.