They don’t actually do credit checks, but for some reason, they all have boilerplate language to make you sign your rights away and allow them to anyway. It’s frustrating. I always question them on those, and ask what specifically they will be checking.

It usually even has language saying they can contact your neighbors to ask about your character, so I pick that out and say “Waitaminute, you want to talk to my neighbors? That seems a little invasive. What is going on here?” That’s when I get their response in writing about what they are really going to check.