CreditReportsSite .com, Credit Reports Info

I am a tenant that does not feel comfortable handing my SS Number to a stranger…?

I will be renting an apartment for the first time ( I previously owned). I noticed some landlords working outside of brokers ask for a credit check. How does that work? I could not imagine giving my SS number and access to all the accounts I ever had or have to a stranger. I printed out a recent (as of two days ago) 50 page credit report complete with score and credit summary. I have nothing to hide, I have an excellent score and credit, I just don’t want someone to be able to access my information UNLESS a third party (a bank or broker) is involved. Do you think the landlord will accept my own printed out report? Every page is dated and has the website as a header from where it was obtained. I’d hate to lose a good apartment because of this…..Does a tenant have a right to request a third party be involved in obtaining the credit report?

Well first, your social security number is on your credit report and you would need to submit all pages in order for the broker to be positive that it is legitimate if they accept it. They can accept it as long as they feel it is legitimate (and it will depend on how many times they’ve been burned in the past). Renting property is more of a credit risk than buying property however for the mortgage banks. The owner of that property has a mortgage to pay every month too, and if the person renting is not credible that could put them in serious financial dilemma as you know Im sure, so the only way they can determine your credibility is through credit and references. You are potected however in the event they use your information for anything other than this.

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