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Old 02-15-2011, 11:14 AM
 
17 posts, read 158,489 times
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Is there one of the 3 credit bureau's that LL's prefer, or do you look at all 3 of them, or does it not really matter which one your looking at? I am just wondering because my score is different on all 3.
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Old 05-23-2014, 01:14 PM
 
1 posts, read 7,868 times
Reputation: 10
To report to the credit bureaus, you must apply to each company individually. My question is HOW do I apply?
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Old 05-25-2014, 10:13 PM
 
Location: Back in Santa Clara County - Yay!
13,427 posts, read 16,043,173 times
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Quote:
Originally Posted by ddoga View Post
To report to the credit bureaus, you must apply to each company individually. My question is HOW do I apply?
Contact them and ask.

Customer Service

Business Services Contacts at Experian.com

Credit Solutions, Credit Questions & Customer Support | TransUnion
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Old 05-25-2014, 10:16 PM
 
Location: Back in Santa Clara County - Yay!
13,427 posts, read 16,043,173 times
Reputation: 21970
Quote:
Originally Posted by marleysmom07 View Post
Is there one of the 3 credit bureau's that LL's prefer, or do you look at all 3 of them, or does it not really matter which one your looking at? I am just wondering because my score is different on all 3.
Wow, nobody answered this person's question back in 2011.

For new readers, I think it's random which bureau landlords pull credit reports from. I used to order all three reports, then the owner I worked for decided that was too expensive and cut me back to one. I think we ended up keeping Experian.

As far as I know there is no preference. I liked pulling all three, because sometimes something will be reported on one report and not the others.

All three will give you different scores, though, and any experienced landlord will know this. They aren't off by enough so that one will make you approved, and one won't, IMO.
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Old 05-28-2014, 12:18 PM
 
Location: Ohio
5,483 posts, read 3,733,692 times
Reputation: 6450
I dont know who they pull from but they will REPORT to all 3.
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Old 06-21-2017, 03:05 PM
 
3 posts, read 965 times
Reputation: 10
Talking Ms T

Not all of the time do they report to all 3, but i did hear from a friend of mine who used to be a realtor that more often than not they report to Transunion, which i thought was weird bc rarely do people or agencies report to transunion.
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Old 06-21-2017, 11:22 PM
 
7,365 posts, read 7,693,152 times
Reputation: 11074
Quote:
Originally Posted by steelemagnolia View Post
Not all of the time do they report to all 3, but i did hear from a friend of mine who used to be a realtor that more often than not they report to Transunion, which i thought was weird bc rarely do people or agencies report to transunion.
Most do not report directly to the credit bureaus. They use a credit checking company, service, or landlord servicing company that has access to the credit reports and they make the reports. Some of these service are owned wholly or in part by a specific credit bureau.
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Old 06-22-2017, 10:32 PM
 
Location: CA & AZ
9,814 posts, read 11,752,808 times
Reputation: 6763
I use MySmartMove.com which is run by TransUnion. They have given me good service on credit reports, criminal background and eviction reports.

One benefit I like is that I pick whether tenant or I pay the application fee ($35 for all 3 reports). I check "tenant pays" and my fingers never touch the money, so I don't have to report it as income or as a business expense.

I had a problem today and their customer service was very helpful. We got the problem resolved.

(Both tenant and wife had same email and that totally mucked it up. Hubby got another email address, MSM refunded his credit report fee (credit card) and he filled out a new application that worked fine.)

They got the house.
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