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I have never seen exactly the same score on three different reports. Hell even mine come within a few of each other but never exactly the same and I have good credit. Never ever take a applicant supplied background check or credit score
Calguy -- I'm not sure if I am right anymore, I've been out of the financial business for sixteen years -- when we pulled credit reports they didn't come with a credit score, the credit score was extra and it came from ONE place, and they used data from all three companies. So it wouldn't surprise me for three credit reports to have the same score, because when I was in banking a FICO was from FICO, it wasn't attached to a single report.
I do agree with Mr Rational, though -- this sounds fishy, and I'd have my prop. mgmt. Co. pull a new report for you. People dummy up stuff all the time.
I just checked my credit score today and I only got one credit score but it's supposed to be a combination from all 3 major credit reporting agencies.
Well it's pretty unlikely but no more unlikely than any combination of three numbers. You could have just run a credit check yourself and if she were lying denied her the apartment. It's 50 bucks but it's a one-time thing. No reason to automatically assume she was lying.
I was an underwriter for years, and I have to say, I've never seen an applicant with the same score from all three bureaus. That is very weird.
I agree with the prior suggestions to just start charging an application fee and running the report yourself -- that way, you know for sure. I would imagine that it wouldn't be hard for someone with even a slight amount of technical know-how to forge a report, and I wouldn't be surprised to learn that one of your current/former tenants has slipped one by you in the past. That's not a knock on you, by the way -- people are getting more and more creative as to forging any document.
So yes -- start charging a fee, run the report yourself, problem solved.
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