Credit Reports
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Credit Reports (by Jo [CT]) Jan 10, 2018 5:49 AM
       Credit Reports (by David [MI]) Jan 10, 2018 5:55 AM
       Credit Reports (by Jo [CT]) Jan 10, 2018 5:58 AM
       Credit Reports (by Vee [OH]) Jan 10, 2018 6:01 AM
       Credit Reports (by Jo [CT]) Jan 10, 2018 6:42 AM
       Credit Reports (by Sisco [MO]) Jan 10, 2018 7:11 AM
       Credit Reports (by Don [MO]) Jan 10, 2018 7:29 AM
       Credit Reports (by Jo [CT]) Jan 10, 2018 7:45 AM
       Credit Reports (by Gene [OH]) Jan 10, 2018 8:26 AM
       Credit Reports (by AllyM [NJ]) Jan 10, 2018 12:20 PM
       Credit Reports (by Robert J [CA]) Jan 10, 2018 12:57 PM
       Credit Reports (by Still Learning [NH]) Jan 10, 2018 1:58 PM
       Credit Reports (by Ray-N-Pa [PA]) Jan 10, 2018 7:06 PM

Credit Reports (by Jo [CT]) Posted on: Jan 10, 2018 5:49 AM

I have a fellow LL friend who doesn't personally run credit reports on his tenants, therefore, he does not charge an application fee.

What he does is, he has the tenant run their own report and bring it to him.

Is there a difference on reports? I know you can run a free check, but that is not a detailed report. He wants detailed reports.

Is it best to run the check yourself? I was considering using the service on this site. I see there are several options. The one for $25 looks like the best choice. Do many of you use this service?

Credit Reports (by David [MI]) Posted on: Jan 10, 2018 5:55 AM

The report the tenant runs is the same Credit report, but it will not include: criminal search, eviction and judgement search . Moreover, the tenant can doctor their report.

Credit Reports (by Jo [CT]) Posted on: Jan 10, 2018 5:58 AM

Yes, thought that might be a problem. I have had a friend in the past use her service at her RE company to do reports for me and they were very detailed. I want to do this myself now and the services here looked pretty detailed.

Credit Reports (by Vee [OH]) Posted on: Jan 10, 2018 6:01 AM

Let me send him a few of the homeade reports I have gotten, it is legal cause the numbers did not match the people who submit them to me, or have him go to the computer room at the library and ask someone to create a credit report - he might be awakened...

Credit Reports (by Jo [CT]) Posted on: Jan 10, 2018 6:42 AM

Well, that is his problem I understand. Also, if someone is from out of state, do they send you a check in advance so you can run the report?

I have a student who starts classes next week and wants to rent a room....waited until the last minute of course.

Credit Reports (by Sisco [MO]) Posted on: Jan 10, 2018 7:11 AM

If this is a true friend that you care about, then point our the error and how incredibly expensive a bad tenant can be.

If this is more of an acquaintance, keep tabs because this person will soon be a very motivated seller that you may be able to profit from.

Credit Reports (by Don [MO]) Posted on: Jan 10, 2018 7:29 AM

My reading of Jo's original question is that the friend wants to get something more detailed -- i.e. you don't need to try and convince him.

Now he's looking for advice to move forward.

Credit Reports (by Jo [CT]) Posted on: Jan 10, 2018 7:45 AM

Just for friend does get very detailed reports and double checks everything.

I, on the other hand want to use the services on this site. How long does this site usually take to give back the results?

Credit Reports (by Gene [OH]) Posted on: Jan 10, 2018 8:26 AM

The reports on this site come back within seconds. However, you will need to go through a sign-up process to use the service. This can take several days to complete and I believe there is a fee associated with it. If you decide to use the credit service on this site, make sure to apply well before you intend to use the service.

Credit Reports (by AllyM [NJ]) Posted on: Jan 10, 2018 12:20 PM

Poople can get very creative with a fax machine and some of the publishing software and hand you a fraudulent credit report. Do you own. I do my own but don't charge for it. I screen strongly and the person whose credit I check is likely the winning applicant anyway. This last time I did four because the one tenant's job was professional but he failed the credit check. Second group was good but I found out personal information. Third couple had great credit and I took them.

Credit Reports (by Robert J [CA]) Posted on: Jan 10, 2018 12:57 PM

Over HALF of my Applicants who bring their own Credit Reports are FAKE! For a fee, online a person can create a fake credit report for around $50. I always will run my own credit report, it's up to date and accurate. I also run a second credit report with all other type of information:

TransUnion and Experian Credit Report

Nation wide Eviction Report

Sex Offender, Terrorist, Most Wanted Criminal

Instant Nation Wide Criminal Search

Social Security Number Trace


I also check on their current and previous employers. Current and two previous landlords.

I also check out their education assertions.

One Female applicant put down, "School Teacher". I check her out and found that to be incomplete. She was a Scientist from JPL and worked for NASA. She had a double masters degree and a PhD. When NASA did some major layoffs, she had a choice:

1) Fly into space using a space craft built by the lowest bidder


2) Become a school teacher and risk paper cuts....

She's been my tenant for 11 years.. --47.156.xx.xx

Credit Reports (by Still Learning [NH]) Posted on: Jan 10, 2018 1:58 PM

When I signed up it was a quick inspection looking for password protected computer, shredder, locking file cabinet, etc. I use this service with every vacancy and occasionally am surprised at what I find and thankful it has helped me dodge some potential bad situations. --107.77.xx.xx

Credit Reports (by Ray-N-Pa [PA]) Posted on: Jan 10, 2018 7:06 PM

The tenant shelling out cash is the test before the test

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