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Credit Check for Current Tenant
Posted by: Denise Brooks-Robertson
Date: June 08, 2005 05:01:59 PM

I received a signed authorization to run credit report on one of my current tenants. The authorization was obtained when she first submitted request to rent property. This was over a year ago. Can I still use this as authorization to run another credit check on the tenant? Thanks for your response.
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Re: Credit Check for Current Tenant
Posted by: Ed
Date: June 13, 2005 11:48:34 PM

If you want to run another check, send the tenant another form for them to sign. If you're not comfortable doing that, you probably shouldn't be running the check. Requesting a new check a year later could cause you problems and may not be legal. Check your local laws. Credit inquiries can have a negative impact on a persons credit rating.
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Re: Credit Check for Current Tenant
Posted by: scalf
Date: July 16, 2005 01:31:42 AM

Why do you need to run another credit check? If they're already in the unit a credit check doesn't do you much good.
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Re: Credit Check for Current Tenant
Posted by: mlr
Date: July 16, 2005 02:16:51 AM

Our aplication indicates that we may use the info provided for new application or for collection. That covers it . May not hbelp you now ... but add it intop your agreement for the future.
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Re: Credit Check for Current Tenant
Posted by: REL
Date: July 20, 2005 12:13:03 AM

MLR has it right. What you can do will depend primarily on how the credit report permission clause is worded.
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Re: Credit Check for Current Tenant
Posted by: Ron
Date: April 02, 2006 12:29:15 AM

Fraud is usually very difficult to prove because you must prove "intent," that is, what was in another persons mind. Sometimes this can be done from circumstantial evidence, but not always. It will likely cost you at least $60 in fees and value of your time to pursue a lawsuit in small claims court, with no certainty of winning. However, there may be other issues worth considering. The federal Fair Credit Reporting Act requires the landlord to provide an applicant with a written notice ("adverse action report") if disqualifying an applicant for credit report reasons. If you think that you were refused on the basis of the credit reports, rather than some other criteria (e.g., because a previous landlord gave a bad recommendation) and didn't receive written explanation, you might consider pursuing that issue by filing a FCRA complaint. First, you should ask, with a witness present, why you were rejected. See the FTC Web site for details (www.ftc.gov). Also, many experts feel that Fair Housing laws require a landlord to accept the "first" applicant who is qualified under their criteria rather than select the "most" qualified applicant out of a number of qualified one. Many landlords follow the latter procedure and, as you suspect, this has the additional benefit of more profit for them. If you think that you were qualified, but they picked a "more" qualified later applicant and you have reason to suspect that you were rejected for any reason covered by federal or state fair housing laws, you could file a complaint on that issue. However, without a particular discrimination issue, the "more" vs. "first" issue is probably not enough because that issue usually only becomes relevant if there is discrimination against a protected class applicant. Landlords must have legal screening and selection procedures in place and apply them uniformly to all applicants. You could try to get them to tell you what their criteria is. See the HUD Web site (hud.gov) for details of federal fair housing law, including protected classes. The bottom line is you need to decide how much $60 is worth in terms of your time and aggravation. You may be able to use one of the issues as leverage in getting a refund.
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Re: Credit Check for Current Tenant
Posted by: Cecelia
Date: September 25, 2007 11:30:16 PM

How do I get to click on the credit check,and screening.I keep clicking on it and it keeps going to other pages,but not to the actual screening process.??What gives?How do I go on it.?I am a member,I just joined tonight.I need to do a screening for the people we just rented our house to tonight.They would like to sign the papers in the am.They gave us a permission to screen them,all signed,and dated. Thank you,Cecelia Musgrave,westg25@hotmail.com
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Re: Credit Check for Current Tenant
Posted by: Tara
Date: January 11, 2008 09:28:07 PM

I am having trouble doing a credit check and am getting no where on this site I am a member and feel that maybe this is a fraud it shows the prices about credit check and am getting no where please help
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Re: Credit Check for Current Tenant
Posted by: Candace
Date: January 12, 2008 01:37:02 PM

You have to sign into the credit reporting service separately. In order to do this you’ll have to fax in the required paperwork.
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