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Need a credit report

Discussion in 'The Okie Corral' started by mhill, Oct 9, 2012.

  1. mhill

    mhill

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    I need to get a credit report on a person that wants to rent from me. Anybody have an easy way to do this? I can't seem to find it through all the ads for free credit reports.
     
  2. Gregg702

    Gregg702 Gold Member

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    You have to set up an account with the credit bureaus and run the reports as a merchant. You will have to have the persons permission in writing to do this. You will also want to make sure you are running it as a soft inquiry so it doesn't effect their credit.
     

  3. md2lgyk

    md2lgyk

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    Everyone can get one free credit report from each of the three credit bureaus annually. Ask the potential renter to pull one of his and give you a copy.
     
  4. ICARRY2

    ICARRY2 NRA Life Member

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    Freecreditreport.com
     
  5. Gallium

    Gallium CLM

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    This does not provide the granularity of detail a renter needs.

    Gregg is also correct about what type of report should be run, as to not -ively impact the credit score of the applicant.
     
  6. Detectorist

    Detectorist

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  7. Sgt. Schultz

    Sgt. Schultz Annoying Member

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    The only REAL way to get your free annual credit report is by going through the FTC-mandated website ...


    https://www.annualcreditreport.com/cra/index.jsp


    ... limit one every 12 months from each of the three reporting agencies. Instead of getting all three reports at the same time spread them out over a four-month period, asking for a different report each time ... that way you get three a year.
     
  8. GeorgiaGlocker

    GeorgiaGlocker Incirlik AB 73 - 75

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    Not true. I call all three credit agencies every year and obtain free copies from all three. I have been doing it this way for years.
     
  9. CigarandScotch

    CigarandScotch Fartacus

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    If you have a buddy in the mortgage or car lending business they can probably hook you up, but you will need to make sure to have proper forms signed, and management's cooperation/permission. Shouldn't be a big deal to them, but some compliance officers won't allow it. Just ask.
     
  10. Sgt. Schultz

    Sgt. Schultz Annoying Member

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    If you go directly to any of the big three websites they charge for the report unless a credit application was recently denied, a quick check of the three sites show that the telephone listed for a free report goes to annualcreditreport.com
     
  11. GeorgiaGlocker

    GeorgiaGlocker Incirlik AB 73 - 75

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    I call the 800 number which is listed on their individual websites and obtain my credit reports FREE of charge every year. I do not go through the FTC mandated site. It takes no more than a minute or two to give them the required info over the phone. In a few days I will receive a hard copy of my credit report in the mail.
     
    Last edited: Oct 10, 2012
  12. Sgt. Schultz

    Sgt. Schultz Annoying Member

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    That's true but the 800 number listed on each site takes you to annualcreditreport.com services were you give them the required info and receive a hard copy ... same number on all the websites.
     
  13. md2lgyk

    md2lgyk

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    "Granularity of detail?" What's that in English??
     
  14. DaneA

    DaneA

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    What exactly do you want to know from the credit report. Some of the information can be acquired without a credit report.


    Outdoor Hub mobile, the outdoor information engine
     
  15. GeorgiaGlocker

    GeorgiaGlocker Incirlik AB 73 - 75

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    Again not true. Different 800 number for each. The 800 numbers take you directly to either a live person or their automated ordering system.