No they haven't. Rent an apartment. You need paystubs to prove your income. You need two references to vouch for your moral character or whatever references are supposed to do for a landlord. You have to throw down a security deposit equal to x months rent. Then you also get that credit check hit. The credit check is saving you from none of that crap, it is just more crap on top of all that other crap that hasn't gone anywhere.