Your situation is complicated and there is additional information needed to provide you a truly meaningful response. However, I can provide some guidance. First, it sounds like you are a sub-tenant of your roommate since you pay rent to the roommate. Your status as a renter who can remain or remain at the existing level of rent after the departure of your roommate, is determined by your status under the San Francisco Rent Stabilization & Arbitration Ordinance. That status is influenced...
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Since you are located in San Francisco, the first question is whether your tenancy is regulated by the San Francisco Rent Stabilization and Arbitration Ordinance. Unless you are in housing that received a permit of occupancy in 1979 or later, or you reside in a single family home or condo, it is likely you have a regulated tenancy. If so, rental increases are governed by the Ordinance. The second question is what did you agree to pay for in addition to your monthly rent at the...
It does not matter whether the tenant is residential or commercial. To obtain the credit history of someone you need their written permission. The use of consumer credit information is regulated by federal law and may also be regulared by the state you are in.