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Really depends on the kind of rental you are looking at -- some large corporate managed complexes will ask for a larger deposit or other efforts to insulate them from your bad history while smaller "mom & pop" landlords really won't care...
BTW, merely disputing a charge or two ought not ruin your credit but having many disputes with different kinds of firms is another case -- that really suggests that the problem is not with those extending credit to you but your inability to use it wisely...
so i have bad credit with recent lates that i flat out am not going to pay because i dispute the charges.
i have perfect rental history in terms of payment history, (0) late payments and easily will be able to verify the provided income.
thanks.
Are these disputes with your current/past landlord? Very rarely will a landlord accept an applicant who is in legal/financial proceedings with a current/past landlord.
If you're talking your personal bills and it's hit your credit report, they might ask for a larger deposit or deny based on financial instability.
And late is late...how can you dispute that? If the bill is due on the first and is paid after 5pm on the first, it can/should be considered late. Doesn't matter what bill we're talking about.
Are these disputes with your current/past landlord? Very rarely will a landlord accept an applicant who is in legal/financial proceedings with a current/past landlord.
If you're talking your personal bills and it's hit your credit report, they might ask for a larger deposit or deny based on financial instability.
And late is late...how can you dispute that? If the bill is due on the first and is paid after 5pm on the first, it can/should be considered late. Doesn't matter what bill we're talking about.
Are these disputes with your current/past landlord? Very rarely will a landlord accept an applicant who is in legal/financial proceedings with a current/past landlord.
If you're talking your personal bills and it's hit your credit report, they might ask for a larger deposit or deny based on financial instability.
And late is late...how can you dispute that? If the bill is due on the first and is paid after 5pm on the first, it can/should be considered late. Doesn't matter what bill we're talking about.
I'm reading the poster as saying he has NO rental issues, and that he's having a hissy fit over some late charges (credit card etc I presume) he disputes.
I can see how someone might disagree with a CC late charge; I've heard allegations and suspicions that credit card companies have 'held' payments an extra day or three in order to impose and collect a late fee. e.g. mail payment seven days before due, get a late charge, some people would dispute that.
When you mail a payment, you really have NO guarantee the creditor won't game you, and even if you dispute a late charge, you're not going to win that dispute.
That's great, but that's not the only they look at. As I said, if those late payments his your credit report, which means you were 30 days at least, it could hurt you.
I'm reading the poster as saying he has NO rental issues, and that he's having a hissy fit over some late charges (credit card etc I presume) he disputes.
I can see how someone might disagree with a CC late charge; I've heard allegations and suspicions that credit card companies have 'held' payments an extra day or three in order to impose and collect a late fee. e.g. mail payment seven days before due, get a late charge, some people would dispute that.
When you mail a payment, you really have NO guarantee the creditor won't game you, and even if you dispute a late charge, you're not going to win that dispute.
Pay it online; no question of when it was received. I haven't paid a bill thru the mail in years.
His rental history is only part of his story...his credit report is another. If those late credit card payments are on his report and show a pattern, it most certainly can hurt him. You of all people should know how bad credit effects your ability to rent
That's great, but that's not the only they look at. As I said, if those late payments his your credit report, which means you were 30 days at least, it could hurt you.
thats what im trying to get removed.
and then i have one other one that was charged off that im trying to get removed as well.
i also have a kohls card i have never used and an auto loan i've had perfect payments with.
those two credit cards have dragged my score down 100 points because the utilization is so high.
my question is if i lose the dispute and end up paying these off, does closed paid in full compared to charge off, not paid in full make a difference.
and then i have one other one that was charged off that im trying to get removed as well.
i also have a kohls card i have never used and an auto loan i've had perfect payments with.
those two credit cards have dragged my score down 100 points because the utilization is so high.
my question is if i lose the dispute and end up paying these off, does closed paid in full compared to charge off, not paid in full make a difference.
thanks.
Credit card disputes are non-liable and usually do not affect your score. Unless the credit card company has evidence otherwise and you're refusing to pay. Have you made a case with them that you were definitely not the person that made those charges?
Are you saying that you have high utilization on your Kohl's card? How does that happen?
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