Question Re Credit Reports and Renting

[Enorah]

So, I must say that in the 20 years I have spent renting I have never before had to supply my own credit report to a prospective landperson. I found http://www.annualcreditreport.com which supplies one with their yearly free report without a credit score. Do I need a report with a credit score to rent? What kind of info will they really be looking at? Bankruptcies or delinquencies, I gather. What should I black out as far as personal info goes?

Thanks in advance to any who wish to help me with this.

[Enorah]

Just giving this a morning bump as I could really use some help here.

[Enorah]

Just giving this a morning bump as I could really use some help here.

[Enorah]

Just giving this a morning bump as I could really use some help here.

[meadandale]

They are looking for general credit worthiness. Most landlords run them themselves and charge you $25 or whatever for the fee.

Many employers are also doing credit reports now as well as background checks.

I’d just black out your SSN and your account numbers.

[meadandale]

They are looking for general credit worthiness. Most landlords run them themselves and charge you $25 or whatever for the fee.

Many employers are also doing credit reports now as well as background checks.

I’d just black out your SSN and your account numbers.

[meadandale]

They are looking for general credit worthiness. Most landlords run them themselves and charge you $25 or whatever for the fee.

Many employers are also doing credit reports now as well as background checks.

I’d just black out your SSN and your account numbers.

[Enorah]

Thank you

And I am assuming that the free on-line version is fine. Right? I do not need to provide one with a credit score, correct?

[Enorah]

Thank you

And I am assuming that the free on-line version is fine. Right? I do not need to provide one with a credit score, correct?

[Enorah]

Thank you

And I am assuming that the free on-line version is fine. Right? I do not need to provide one with a credit score, correct?

[meadandale]

I’m not sure they really care about the credit score number as much as SOME of the information that goes into it. For instance, your credit score reflects inquiries which a landlord wouldn’t likely care about. OTOH, seeing that you are current on loans and credit cards without any late payments tells the landlord that you are a reasonably safe bet to pay the rent on time. That’s really what they are trying to deduce by reviewing your credit.

The free online version contains the same information as the one that they are able to obtain on their own.

[meadandale]

I’m not sure they really care about the credit score number as much as SOME of the information that goes into it. For instance, your credit score reflects inquiries which a landlord wouldn’t likely care about. OTOH, seeing that you are current on loans and credit cards without any late payments tells the landlord that you are a reasonably safe bet to pay the rent on time. That’s really what they are trying to deduce by reviewing your credit.

The free online version contains the same information as the one that they are able to obtain on their own.

[meadandale]

I’m not sure they really care about the credit score number as much as SOME of the information that goes into it. For instance, your credit score reflects inquiries which a landlord wouldn’t likely care about. OTOH, seeing that you are current on loans and credit cards without any late payments tells the landlord that you are a reasonably safe bet to pay the rent on time. That’s really what they are trying to deduce by reviewing your credit.

The free online version contains the same information as the one that they are able to obtain on their own.

[Enorah]

Thank you, again.

I have a real resistance when it comes to having to prove my worthiness as a renter. I know, it’s my issue, but there is something about it that feels gross and humiliating to me, and I have great credit, so that is not the issue.

Somehow, magically, for the last 20 years I have just been able to attract to me people who rented to me based on a more personal connection. Alas, this time things seem to be different.

I am looking at it as an opportunity to heal the issues I have around rejection.

[Enorah]

Thank you, again.

I have a real resistance when it comes to having to prove my worthiness as a renter. I know, it’s my issue, but there is something about it that feels gross and humiliating to me, and I have great credit, so that is not the issue.

Somehow, magically, for the last 20 years I have just been able to attract to me people who rented to me based on a more personal connection. Alas, this time things seem to be different.

I am looking at it as an opportunity to heal the issues I have around rejection.

[Author]

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