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Thread: A question about credit.

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    Featured Member BuffyFlame's Avatar
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    Default A question about credit.

    Alright, I was once a avid poster on the site, I apologies for being absent, But i still do trust you ladies advice, and know many of you know more then I about credit.

    I was ALWAYS a grade A tenant, Never any loud noises, Always reported parties, even tipped my apartment manager off about a party my FRIEND was throwing.
    My landlord lived in the apartment infront of me, and we became great friends. We even helped her move her furniture out, and i would give her daughter rides
    to school on my may to the gym.

    After she moved, her assistant took over.
    A RUDE, Cruel woman, who cared nothing about the apartments, in a matter of 2 months, every lightbulb in the complex was out
    the grass was over grown, and they where not giving the maintenance man (another VERY good friend we had made there, Even stopped by his HOUSE for christmas)
    the things he needed to fix them.

    Us and a few other tenants got to talking and we all decided that we would make a anonymous letter and stick it on the front door.
    We all wrote it out, and had my sister, who didnt live there, paste it.
    It wasnt rude at all, just stated that we wernt happy with the falling conditions.

    This is where it all ties in with my credit..

    1 month later, EVERYONE at a apartment party was giving us the cold shoulder, And the maintenance man, our good friend, as we approached him, turned shook his head at us.

    Turns out, One of the ladies WHO HAD WRITTEN THE NOTE WITH US, was now working for the apartments... And had told it was alllll us..
    The treatment got so bad, me my husband and my son , where getting singled out, we wouldnt even get the note on the doors as invites for partys..

    We decided to move, we gave 30 days notice, moved out... THEN GOT A COURT LETTER STATING WE WHERE BEING SUED FOR 2 thousand dollars..
    We always knew that we would have to pay that, but i guess they filed as a eviction..
    We went to court, and it took 5 min, After, one of the ladies , the new manager notified us, I guess to rub it in, We wouldnt be able to get another apartment for some odd years..

    BUT i just checked my credit a few days ago... and NOTHING, no derogatory, No court charges, nothing, Im still a ghost.. Only a few inquiries from a few months ago.. (I think it was the same month we moved) a car dealership ran.. I know enough to know credit reports dont show evictions.. But i thought the court charges would be there..

    Could i say, Beings i am still young enough, I have never lived anywhere by myself before, and my other adresses had just been with my parents? I know lying isnt a good thing ever
    but i mean, It might be my only option...

    And does anyone know any services that i could use to find a eviction if its there on my record.
    Americanmade18 on most sites.

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    Default Re: A question about credit.

    I am actually curious about this also. Though I wasn't evicted or anything, my old roommate moved out and found a replacement. It was my name on the lease, hers just listing that she lived there. A few months went by and I needed to move (it was already month-to-month because I had lived there over a year). I notified my newish roommate of this, and she went CRAZY. She stopped talking to me, and we could only communicate through the property management company. She demanded that I give her her deposit back (when I had never even seen it, she just paid my old roommate and the property management kept the original deposit), then called the property management company screaming and threatening them. She also called them and said I never gave her proper notice (I did, via text and email - thank god I kept it), and then the company called me complaining even though I did nothing wrong. I think at one point she even impersonated me or something because I called the property management company one time and they were like "did we JUST get off the phone about this matter?" and I was like ummm no, what?? According to the property management company, she also applied for a lease on her own and was denied (I don't know if they were supposed to tell me that?)

    So basically, I'm wondering if there is a way for a property management company to like, sabotage your rental file/history when you gave proper notice, just because a roommate who lived there and wasn't on the lease acted crazy? I'm sure that was the goal of the roommate girl, to sabotage things because it was like the perfect rental and she didn't want to move.

    It was a HUGE mess, but I did absolutely nothing wrong on my part. It didn't even need to be a mess, she was just bitter and crazy. It got so bad that the property management company ended up saying "I HAVE BEEN ADVISED THAT I AM NOT TO DISCUSS THIS MATTER FURTHER WITH EITHER OF YOU!" and saying things like they never wanted to nor should have been involved in this matter.

    Sorry to threadjack, but since, like the OP, nothing bad is on my credit report about this, is there somewhere else (a website?) I can go to look up my rental history?

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    Banned Melonie's Avatar
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    Default Re: A question about credit.

    I can't substantiate this really exists, but more than one person in the 'landlord' business in upstate NY has told me of a 'private' database that is shared by most of the local landlords which they use to share info / identify 'difficult' tenants.

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    Senior Member Mlle_Mystere's Avatar
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    Default Re: A question about credit.

    I would imagine it varies by location. I can't imagine that landlords could affect your credit - you don't borrow from them. You do sign a legally binding agreement, but it's not really a credit situation. Now, I'm in small-town Canada, so I'm obviously under a different set of laws than you, but here I've never had a credit check run for a lease, my landlords just called other former landlords that I gave them as references. If I were I you, then next time you look for an apartment just give good names as references and maybe explain why you're looking and make it clear that you're a quality tenant who will only tolerate quality buildings and management. Hell, I've gotten discounts on rent for being a professional cleaner lol.

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    Default Re: A question about credit.

    You did the right thing by checking your credit report. I would go to annualcreditreport.com every 4 months and check a different bureau. That way you can get three reports per year without having to pay for them. See if anything turns up. Chances are it won't because credit reporting costs the reporter money and subjects them to the Fair Credit Reporting Act.

    Credit bureaus might pick up law suits, but not likely. An eviction will show up on your Lexis/Nexis report though, depending on your jurisdiction. Of course, the courts are open to all, so anyone who is curious can go look at the court file.

    HTH
    Z

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    Banned Melonie's Avatar
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    Default Re: A question about credit.

    I can't imagine that landlords could affect your credit - you don't borrow from them
    Technically speaking, that is only true if the tenant rents month to month. Typically, however, a lease is involved with a 6 month ( or longer ) term. Where a lease is involved, from a technical standpoint the tenant is 'borrowing' the entire 6 months ( or longer ) worth of rent payment money from the landlord at the point when the lease is signed, and the tenant then makes 'monthly payments' on the money that was 'borrowed'. THIS is the reason that landlords are very interested in a potential tenant's credit rating.

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    Senior Member Mlle_Mystere's Avatar
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    Default Re: A question about credit.

    Good point Melonie! I'm not sure if they do that here, but that makes a lot of sense.

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    Featured Member Vamp's Avatar
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    Default Re: A question about credit.

    The only way they can sabotage your rental history is thru credit reports. If there isnt anything showing on your credit report they cant really hurt you. The apartment complex would have to process the collections notice with the credit reporting agencies. The court doesnt do that. It generally takes up to three months for new information to show up on your credit report because of cycling dates.

    But that is only IF you hadnt paid the 2k and it is in collections status. IF you have paid it in full they cant put anything on your credit report. I can not stress this enough. Credit reports are not back ground checks. They cant post messages or opinions on credit reports. They are only about on time or late payments of loans and lines of credit. Renting an apartment never shows up on a credit report unless it isnt paid accourding to the rental contract. Then it only shows up as a collection. After it is paid it is taken off the report.

    Ill give you an example that I ran into alot processing loans. Tax liens are put on credit reports when they havent been paid. When they have been paid they have to drop off the report. If they dont then you can dispute them to have them removed.

    Not all apartments are run by property management companies either. Those that arent run by property management companies rarely use credit reports.

    If you are concerned you could use references from other apartment complexes you have lived in.

    It really is just a bunch of drama queens making a bigger deal about something then it is. Be glad you left. They sound like the types that would cause problems for anyone just to have something to do besides live their own lives.
    Nature knows no indecencies; man invents them. ~ Mark Twain


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