Monday, April 2, 2018

The Tenant Credit Report And The Details It Usually Includes

By Michael Ross


It is usually very important to complete a credit check on a potential tenant. The information provided can help prevent unwanted situations before they even start. There are certain details that a Tenant Credit Report often includes. The current legal name and address are two of the details that can confirm identification, which may be essential. Loan or debt history and public records are included as well. While there are certain methods to interpreting such information, obtaining them is a good first step.

In many cases, it pays off to know a good amount of information about a tenant before you rent to them. There are some routes you can take to find out these details. One such method is through running a credit check and it can be vital that you do so.

When you think about this type of report, the financial situation of the applicant may come to mind. There are certain components relating to this aspect included. There is often a list of credit cards and other kinds of loans. Co-signers may also be added to the information. This type of detail may give you an idea of a person's spending patterns and how they handle their debt.

Another part of the report pertains to public records. Some of these are finance related such as bankruptcies and tax liens. Evictions may also be noted on these records.

In most cases, other individuals or companies that have requested this same report are listed. This can tell you what types of loans the applicant might have been looking for or what other places they have wanted to rent. There is a time limit for this particular list. Usually, it is only requests completed in the past year that are included.

There is yet another important aspect to this report. This component is that which helps you ensure the potential tenant is who they say they are. This document includes details such as the current name of the person and present address. It lists any different places they have lived in the past two years and other important facts. If the person is married, the name of the spouse is given also. Each of these details should be verified prior to renting to any individual.

There are certain details you need in order to obtain the report. You are required to have written permission to start the search. Such things as the person's full name, address, birthday, and social security number are also needed. If the person is not from that area, you may require other identifying information such as the social insurance number.

Performing checks on a person's financial rating on potential future tenants is an important part of locating the right renters. These reports provide you with a number of details. Such information includes identification details, debt histories, public records, and a list of other inquiries made into the person's score. Each of these details may be vital to the decision you make and it is worth taking the time to get a report, whether on your own or through a professional.




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