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Thats about what you would hear from a car dealer too. You actually have to use credit to get a credit rating. Your screener would see your accounts and paid off status but most likely doesn't pull a score either, they are just happy you don't have outstanding debts of any large amount and that you've paid off or are paying off the ones you have.
A financial advisor would probably tell you to get another credit card and use and pay it off monthly to build your credit rating. Without having a credit rating its harder to get a loan for a car or anything else without a co-signer.
I did run into a few of these "no credit score" applications when last I screened potential tenants.
Well no credit score should never be a issue when trying to rent an apartment especially when you have a solid rent history and no delinquent credit card accounts. Now I can understand for a car and I will work on building that up for the future
When I put all my information in i received a message saying they could provide a credit score because my credit history is too thin and then gave me a option to apply for some more credit cards so I can build up my credit
That's right. You have to be using credit in some way in order for the credit company to give you a score. They don't just guess; they have a formula.
I will accept applicants with no credit because they don't owe anyone any money. They have never refused to pay bills or had a judgement entered against them. There is nothing wrong with a tenant who pays as they go.
I expect to verify income and hear a good reference from the prior 2 landlords. I check criminal background and check for prior evictions. But if an applicant has no credit, that is completely different from having bad credit.
you get one free one every year. It's now 2013...get your free one. And don't be so cheap...pay for one if you have to.
I believe it has to be 11 months since the last time you check the annual free report in order to see it. I remember trying to see a free report in July of 2012 and had to wait until sept of 2012 because 11 months had past since the last time I tried to see the free annual report.
So since I checked it 7 months ago I will have to wait a while or pay for it.
That's right. You have to be using credit in some way in order for the credit company to give you a score. They don't just guess; they have a formula.
I will accept applicants with no credit because they don't owe anyone any money. They have never refused to pay bills or had a judgement entered against them. There is nothing wrong with a tenant who pays as they go.
I expect to verify income and hear a good reference from the prior 2 landlords. I check criminal background and check for prior evictions. But if an applicant has no credit, that is completely different from having bad credit.
Well I thought being a American Express cardholder since 2006 was enough to have a credit score but i see I was wrong.
Card holder or card user? You might want to browse the CK forums and ask the question there if you feel something is missing. Perhaps they can offer some insight.
Card holder or card user? You might want to browse the CK forums and ask the question there if you feel something is missing. Perhaps they can offer some insight.
If you got your credit report via annualcreditreport.com, you can actually get one every four months by requesting only one agency's at a time:
From their website: "This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion."
Get Equifax in January, Experian in May, TransUnion in September. Repeat each year.
So since I checked it 7 months ago I will have to wait a while or pay for it.
If you're really that concerned/curious about the whole situation then what's the problem with paying for a credit report? We're not talking an amount of money which necessitates your taking out a bank loan ...
Landlords pay for these reports all the time.
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