Roxy asked:


My boyfriend and I are planning on purchasing a home using a first-time buyer assistance program, but somehow his childhood home is showing on his credit report, which would mean he bought the house when he was 3! He and his dad have the same name, so I’m guessing that his parents used his social to qualify for the loan. Is there a way to have this removed, or is he stuck with it?

Shalonda Tutt

Brad Z asked:


I am thinking of renting my second home. I like to get a credit report for the potential renter. How do I go about doing it ?

Christopher Montney

eyebeta asked:


Help! We moved from one state to another. Landlord did not do inspection after we moved, even tho we asked, so I took video. Sent us bill for various items. I disputed light bill, they admitted overcharging, and adjusted. They Insisted we broke blinds, which we did not, and that we did not clean baseboards. Charges went down to $38, which i still refused to pay – I had a team in there cleaning, left the place spotless. Next I knew, they reported to Credit report. Would love to sue them to court – have lots of evidence, even letter from apartment owner saying we are great tenants, but then I’d have to fly back to Texas. Disputed item in Credit report, but after investigation, it remains. Its a matter of principle – I do not want to pay the money (I can afford it) becasue they do that to everyone, and I KNOW I would win in civil court. So, who can I report them to, what can I do, or should I just leave the item on the credit report and ignore it? We found out when renewing car insurance!

Reggie Portwood

Z Z asked:


I am renting a room to someone, and I want to run a credit report. How can I do this? And would it show any convictions? What does it show besides credit history? Does it also show previous addresses?

Elba Feldner

Christine asked:


I currently own a condo and want to rent it because I am moving to Hartford fairly soon. The market is horrible right now to try and sell!

I plan to rent a place in CT. Most of the ads I see request a credit check. My credit isn’t horrible but not good due to debt to income (my credit score is pretty low). I don’t have forclosures, repos or deliquencies on accounts. Just a few medical bills that are pending legal action.

What do they look for when they view the credit report?

I took a huge pay cut due unfortunate circumstances. I relocated from Georgia with my son and had to leave my successful career to start over again. I now have an opportunity of a lifetime at the same company I worked for 7 years. So my credit isn’t due to lack of responsibility- just hard times!

Any advice would be great. I just would **** to find a great apartment and then get turned down due to credit issues that could be fixed when my salary increases- which it will by $25,000 and then some.

Jamie Winebrenner

TM asked:


I rented an apartment from 2000 to 2006. I gave a verbal 30 day notice when I moved out, and my roommate contintinued to live there after I left. The roommate left oweing some money, but there was never any kind of evictions , not even a 7 day notice to pay rent. Now 8 months later there is an eviction showing on my credit report, for a different apt # at that address and from year 04. I”m sure I can straighten it out with the apt. manager, it has to be her mistake…But how do I get it off my credit report so that I can rent a house?

Archie Hochhauser

mamichula0883 asked:


He doesnt want to run a credit check so he asked me to bring my own. I had a copy already so i agreed but do i have to give him the whole report?

Scot Wongus

Stephanie P asked:


I plan on moving to an apartment in Florida in about 6 months. I recently entered a Credit Counselling program which shows as “Paying by 3rd party” on my credit report for all accounts invovled in the CCCS. My car, cell phone and one credit card are not in the program. ALL accounts are all paid timely. When I rented previously I was never late. Will I have a problem renting an apartment?

Brice Murry

SJSU1429 asked:


I am about to be evicted for noise complaints. Will this show on my public record? Will this show on my credit report? We DO NOT owe the land lord any money. Is there any way we can get this to not show up on both our public record and credit report if we move out with in a period of time?

Alishia Girman

Leah asked:


I am a little credit-challenged at the moment due to some stupid mistakes I made a few years ago, but I am debt-free currently with an annual income of $88K. The only revolving/installment debt I have are 2 car loans for a total of $600/month. Despite my debt/income ratio, though, the payment history is killing me and I cannot get approved for a traditional home mortgage.

Even so, I want to purchase a home and would like to do it before the April 31 deadline for $8K first time homebuyer credit. Since I am still unlikely to be able to qualify for a traditional loan prior to that time, would seller-financing be the way to go? Do they report to the credit bureaus? Are there any specific pitfalls to look for, since I won’t have a realtor guiding me? Is it sort of like renting-to-own??? What would be their rights as lien-holders? I guess I’m afraid of having someone look over me the whole time, like a landlord.

I appreciate your feedback and advice.

Bruno Kovalaske