Archive for category Renting & Real Estate
My apartment manager has stolen my personal information to apply for a credit card?
Posted by admin in Renting & Real Estate on July 13, 2010
I am a new tenant of this apartment complex for few weeks and last weekend I have found out from my bank that someone has applied to for a credit card using my personal data and have been issued a card to my new address before I have even move-in to this new place. The only person who had know this new address was the manager of the building when I have filled out an application for a credit check and myself.
The on-line credit card statement shows the transaction around the days when I have move to new address. I couldn’t have access to my mailbox because she had given me the wrong key and didn’t get the right key until a week after I have move in. When I called the owner of the building and told him what had happened and requested of my full refund on deposit and the rent, he neglects and refuses my request and saying that I can’t accuse someone without any evidence. My bank is in process of investigating this matter and I will have full report.
Could you help me if you know any..
Stephanie
Renting apartment with bad credit?
Posted by admin in Renting & Real Estate on May 12, 2010
Can you still rent an apartment if you have bad credit?
I live in CA and I would like to rent my first apartment in the near future ( within 2 years). I got my credit report from Equifax and it shows that I have Currently ‘past due’ 2 accounts and in the Negative Acct History it show 8 accts ( the 2 past due are included). Of the 8, two of them are not paid and the rest are “charge off” or “collections paid” All this info is correct.
Will I still be able to get ‘approved’? Does any one have any personal experience in renting their first apartment.
I have a steady job, work full time and have been w/ the company for 6 years. I have paid off most of my debt, but my ‘bad’ credit happenend when I was in college about 8 years ago.
Francis
Would a legitimate landlord ask for a credit check before ever meeting with you?
Posted by admin in Renting & Real Estate on May 10, 2010
I found an ad for an apartment on craigslist. After I sent an email I received what I assume is an automated response (it was sent within the same minute).
The guy said that because he does not live in the area he would rather make sure his tenants are eligible to rent from him and would need to send a credit report.
I have never done this before but I am pretty sure that my credit report will have ALL of my personal info ( social, date of birth, address) and I would prefer to not have my identity stolen. Am I being too paranoid? I know that landlords require a credit check, but do they ask for it without ever meeting you in person?
Lillian
Why isn’t the mortgage showing up on my credit report?
Posted by admin in Renting & Real Estate on March 26, 2010
Several years ago we made a decision to purchase a house in my spouses name only, to get the lowest possible interest rate. Five years later, we refinanced and added my name to the deed only. Two years later, we contacted the mortgage company and asked if I could placed on the loan. We paid a small fee, forwarded a copy of our marriage license and the notarized document (with all of my personal information (ssn, dob, etc.) stating we were tenants by entirety to the assumption department. My name has been added to the mortgage statement, but it has been a year and half and it is still not showing up on my credit report. I noticed that they have pulled my credit report several times and when i call they say it’s done. Not sure what else to do.
SCOTT
How do investors handle real estate ownership with multiple mortgages?
Posted by admin in Renting & Real Estate on January 3, 2010
I own a couple of fourplexes in Los Angeles. I want to purchase more (another this year while prices are slashed, maybe one more next year), but I know it affects my credit to have a lot of mortgages under my name. But I’m sure the banks who hold the mortgages won’t be ok with me just transferring them out of my name (and off of my credit report), especially now. How do small RE investors handle this problem? How do they get the mortgage liability off of their personal credit?
DANIEL
What to do if landlord is up to fraudulent behavior using the personal information of others?
Posted by admin in Renting & Real Estate on November 7, 2009
I recently applied for an apartment for rent by private owner. I provided my personal information when filling out the rental application. I now feel the woman never had plans to rent the place, and is using an “apartment for rent” as a front to obtain the personal information of others to commit fraud.
It turns out, my co-worker happens to know this woman personally, and says she recently filed bankruptcy, does not own the property, and was renting it from a relative.
What should I do? If the above is true, she’ll deny we met. This woman has my social security number, personal information, and more. Is there any way to tell when someone pulls your credit to apply for an apartment? I don’t think those type of credit inquiries appear on credit reports.
What should I do to prevent fraudulent behavior? There are Michigan laws protecting landlords, what about those for tenants?
MAYNARD