Posts Tagged ‘ rent ’

Cosigining for an apartment lease could hurt your credit

Dear Experian, I would like to better understand how co-signing for apartment leases affects credit. - IAB

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Landlord does not need a judgment to report unpaid rent to Experian

Dear Experian, Does a landlord have to have a judgment against a former tenant in order for the debt to be reported? Can a collection agency report a debt without obtaining a judgment? - WLW

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Credit report may be hurt by joint lease, utilities with roommates

Dear Experian, My daughter is in the process of looking for a new apartment and obtained a copy of her credit report. She found her credit is "fair." She also found her roommate's name, Social Security number, rental history and other information listed on the report. This was quite shocking to my daughter. She is very upset. They each signed a year's lease which expired a few months, ago. They are now on a month-to-month basis. She knows her roommate is frequently delinquent on her bills. In particular, she knows this is true in regard to their monthly rent. My daughter pays her portion on time. Why is my daughter's roommate listed on my daughter's credit report? What part of the roommate's financial life, if any, comes into play on my daughter's credit score? How long will the roommate's financial history and habits reflect on my daughter's report? How can my daughter become a single entity as far as her credit is concerned? - RBH

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When roommates don’t pay their share of the rent

Dear Experian, I'm a college student, and today I was given an eviction notice because my roommates didn’t pay their rent on time. I was wondering what happens if they pay the amount they owe before our court date. Does it still go on my credit score? Do I have any options because I paid my rent on time? - STO

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Reporting positive rent payments can help your credit scores

Dear Experian, How can I report my rent payments? My landlord does not. - TCR

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Violating rental agreement could ruin your credit

Dear Experian, Could a violation of a rental agreement ruin my credit even though I don’t owe any rent? - MST

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Cancelling 7-year fraud alert to qualify for housing program

Dear Experian, How do I cancel a 7-year fraud alert once I create it? I am in the process of looking for new housing and believe I would have to rather quickly cancel the fraud alert once it is created if I hear that low income housing programs are in the process of checking my credit. I would not want this fraud alert to have a negative effect on my credit status. - SRV

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Cosigning for apartment could hurt but might help credit scores

Dear Experian, My grandson wants us to cosign for an apartment. Does this affect our credit score in any way or just if he doesn't pay rent? - MTP

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Fraud alert should not cause an increase in apartment fees

Dear Experian, My apartment complex raised my fees because you reported, “APPLICANT: High Probability SSN Belongs to Another. There is an excellent chance that the Social Security number on the application belongs to someone else. This is highly indicative of fraudulent activity. Carefully verify the identity of the applicant before proceeding.” Does Experian make such claims? - ATR

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On-time cell phone payments are not currently reported

Dear Experian, If I have a two year contract with a cell phone company, and if I pay my cell phone bill on time in full every month until the contract is up, does that build my credit score? - CMR

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Qualifying for new credit when you have no credit history

Dear Experian, I have no credit score and am unable to get credit for a car loan. How do I get a credit score? I have my own apartment and am paying all utilities. Will that help? If so how long does it take, or where should I start? - KNY

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