Saturday, April 08, 2006

Tips for Reading a Credit Report

Here are some tips on reading a prospective tenant's credit report:
  • Look at public record section for judgements and liens
  • Verify social security number on application and credit report
  • Verify address on credit report, drivers license, and application all match
  • Is there more than one name associated with SSN?
  • Compare birthyear to first credit entry; if the first time they used creidt they were older than 25, they may be using someone else's SSN or credit report
  • Check the inquiries section to see who has bee requesting the person's history most recently
  • Check for bankruptcies;  find out if they have been discharged.

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