Credit Reports Galore

Sally asked:


Hey Landlords —

Was wondering if anyone could suggest a site that is good for doing online credit checks on tenants. There are so many sites out there that offer them; I’m not sure exactly what I’m getting. Obviously, I want to get all three reporting agencies (if feasible), and I want a low price. I’ve seen the price on credit checks range from $9.95 to $29.99. What is reasonable?

Any specific Web sites anyone could point me to? Can you get the reports directly through the reporting agencies? It seems like most of these Web sites I’m finding are third parties. What would be the benefit of using a third party site?

I’m a new landlord. I’ve had no problem requesting my own credit report in the past; but this seems to be a totally different process. Please help!
By the way; I’ve received rental applications which have all the essential information like DOB, drivers license number, social security and all that. They have signed the applications which include consenting to a credit check.
But, no I don’t have their mothers maiden names or anything.

EMILE

ArLorax asked:


I am looking to buy properties in Ohio to start renting, but don’t know how to get credit reports on people or to find out if they have stiffed other landlords. Also, what is a good credit report threshold to use for renting? Should I go by a minimum score (say 600) or go by percentage of rent to income (say rent can’t be more than 25% of their monthly income or something to that effect)?

GROVER

Rashon G asked:


I have a judgement for non payment of rent from 07/01 on my credit report. Is there a time limit in the State of California for it to be removed off of my records?

KERRY