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Old 03-30-2013, 12:26 AM
FBJ FBJ started this thread
 
Location: Tall Building down by the river
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a providing the tenant with a copy of the results if they asked for it?


I was approved earlier today and plan to provide a security deposit next week so I was wondering do u think the landlord would provide a copy of the results that helped me get approved? I plan to ask on Monday and just would like to see how my credit check looks now after 13 years. I mean people find out why they are not approved so why can't they find out why they are approved?

would anyone on here have a issue with that request from a tenant?
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Old 03-30-2013, 01:12 AM
 
Location: North Idaho
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My contract with the credit company states that I can not show a copy to anyone outside my own staff. I can not give a copy to the applicant.

If the applicant fails because of the credit report, I give them a letter and that letter can be used to get a free copy of their credit report from the company.

Also, OP, there are places where you can go on line and get a copy of your own credit report for free.
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Old 03-30-2013, 01:16 AM
FBJ FBJ started this thread
 
Location: Tall Building down by the river
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Quote:
Originally Posted by oregonwoodsmoke View Post
My contract with the credit company states that I can not show a copy to anyone outside my own staff. I can not give a copy to the applicant.

If the applicant fails because of the credit report, I give them a letter and that letter can be used to get a free copy of their credit report from the company.

Also, OP, there are places where you can go on line and get a copy of your own credit report for free.

Just would be nice to know sometimes why you are approved. I remember feeling the same way when I was approved for a Amex credit card and never knew why I was approved.
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Old 03-30-2013, 01:19 AM
FBJ FBJ started this thread
 
Location: Tall Building down by the river
39,606 posts, read 52,979,020 times
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Quote:
Originally Posted by oregonwoodsmoke View Post
My contract with the credit company states that I can not show a copy to anyone outside my own staff. I can not give a copy to the applicant.

If the applicant fails because of the credit report, I give them a letter and that letter can be used to get a free copy of their credit report from the company.

Also, OP, there are places where you can go on line and get a copy of your own credit report for free.

I tried creditkarma.com but was unsuccessful
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Old 03-30-2013, 05:16 AM
 
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All that matters is that you were approved.

If you want to know your credit history/status, get your own credit report. Your credit report will help you understand why you were approved or not approved. You can ask them if they have a min credit score, but they aren't going to go into details as to why you weren't approved.
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Old 03-30-2013, 10:53 AM
FBJ FBJ started this thread
 
Location: Tall Building down by the river
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Quote:
Originally Posted by Kim in FL View Post
All that matters is that you were approved.

If you want to know your credit history/status, get your own credit report. Your credit report will help you understand why you were approved or not approved. You can ask them if they have a min credit score, but they aren't going to go into details as to why you weren't approved.

I don't think it's no way for me to see my credit report without paying for it since I already looked at the annual free one in September.
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Old 03-30-2013, 10:55 AM
 
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I'm curious as to how you were "unsuccessful" with creditkarma.
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Old 03-30-2013, 10:59 AM
 
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The credit report received by the screener is no different then one you view yourself on your own. It is up to the landlord to decide if there is anything on it that would disqualify you in their eyes. Being approved by one landlord does not mean you would be approved by another, we all have our own standards.
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Old 03-30-2013, 11:01 AM
FBJ FBJ started this thread
 
Location: Tall Building down by the river
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Originally Posted by wireyourworld View Post
I'm curious as to how you were "unsuccessful" with creditkarma.

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
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Old 03-30-2013, 11:14 AM
 
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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.
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