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apartments and credit check questions

V

VinylxScratches

Golden Member
I have my credit locked down on all 3 services as I am paranoid about it.

I want to get a new apartment but I don't want to open these credit checks... I do subscribe to one of them that has my credit score... would this suffice enough if I presented it to the landlords of apartments I am interested in?
 
Depends - some are OK with you giving them the credit report- others are required to run it themselves.

Just depends on who the owner/landlord/mgmt Company is.
 
If I was a landlord I wouldn't. Why would I believe information provided by a prospective renter that was impossible for me to verify? If I trusted the renter I wouldn't need to run a credit check.
 
There's big money in charging people fees to do "credit checks." One guy had the balls to tell me it cost $250 for a credit check. lol
 
Its really not something to worry about IMO. But the apt complex I'm moving to auto approved me due to where I work which was kinda awesome
 
Most, if not all, large apt. complexes will require credit/criminal check for all potential renters. I did have to pay $35 for it.

If you rent from a local landlord with his/her own place, you may talk him/her out of it.
 
You can temporary thaw any credit file for however long you want. Just find out which bureau they pull from and do a temporary thaw. You can do it online using your security pin and it's like $2 to thaw.
 
Hey, you are an ATOTer right?
Then you automatically have a credit score of 990!
Why you lock it? Don't want to embarrass someone?
😵
 
Bignate603 said:
Or they just didn't want to rent to him. I've always wondered if apartments invent fees and things to discourage people they didn't want to rent to from getting an apartment.
Click to expand...

This is probably true. I once went to look for a place where a lot of Italians seemed to gather (area in Pelham Bay, Bronx) and the person next door actually went and put his Italian flag on his door and stood there while the real estate agent showed me the place.

When I was leaving, even the real estate guy said, you probably wouldn't want to move here...lol

Also, in the 6 years I worked South, Downtown and Midtown Manhattan, I NEVER ONCE, in the THOUSANDS of apartments I worked in, saw a Black family. NOT ONCE. Almost all of these buildings have associations that must "approve" potential tenants.

This is how they keep the good areas of Manhattan "White."
 
VinylxScratches said:
I have my credit locked down on all 3 services as I am paranoid about it.

I want to get a new apartment but I don't want to open these credit checks... I do subscribe to one of them that has my credit score... would this suffice enough if I presented it to the landlords of apartments I am interested in?
Click to expand...

No. They need to run your credit so they can see it for themselves.

When I worked at a mortgage company people were constantly showing what looked like real credit reports showing their 'scores' on them, usually in the 700's.
 
amdhunter said:
This is probably true. I once went to look for a place where a lot of Italians seemed to gather (area in Pelham Bay, Bronx) and the person next door actually went and put his Italian flag on his door and stood there while the real estate agent showed me the place.

When I was leaving, even the real estate guy said, you probably wouldn't want to move here...lol

Also, in the 6 years I worked South, Downtown and Midtown Manhattan, I NEVER ONCE, in the THOUSANDS of apartments I worked in, saw a Black family. NOT ONCE. Almost all of these buildings have associations that must "approve" potential tenants.

This is how they keep the good areas of Manhattan "White."
Click to expand...

lies.
 
Ummm...what? Just get the credit inquiry. Wow, some of you are just paranoid as hell. Stop living a life of fear with credit. I am not going to argue whether or not a credit check will change yoru score, but really, you need a place to live. Are you really going to let that change your way of life?
 
Bignate603 said:
Or they just didn't want to rent to him. I've always wondered if apartments invent fees and things to discourage people they didn't want to rent to from getting an apartment.
Click to expand...

What fees are these?

In MA, it's usually and combination of the renters fee (upto a months rent...sometimes paid by landlord), the first month's rent upfront, the last month's rent as a deposit OR a security deposit (can't have both deposits in MA) and the credit check ($35 per applicant).
 
jupiter57 said:
Hey, you are an ATOTer right?
Then you automatically have a credit score of 990!
Why you lock it? Don't want to embarrass someone?
😵
Click to expand...

I locked my credit file because I don't need more credit and don't plan on applying for new credit anytime soon. Credit freeze is the best defense against potential identity theft. It will also stop 99% of junk mail credit offers.

Every ATOT millionaires should freeze their credit files. So why isn't yours locked?
 
The rental process is kinda scary for me. On the app, it asks for all credit card numbers and credit line as well as all savings and checking accounts. I listed all (5 total). Now that I got the place, I requested the CC companies to issue me new numbers. I will close a bank account (not relating to paranoia).

My coworker was a victim of identity theft. The crooks took out loans, opened bank accounts, credit cards and registered a paypal account. She spent yrs trying to fix her credit. She later found out that it was the management from her apartment complex that did it.
 
Last edited:
MA must be awesome to rent...they ask for all that info on the application, but each realtor I have ever been to says do not fill that info in.
 
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