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How do i get rid of bad credit?

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cat.220

Joined: 27 Apr 2008
cat220's page
Posts: 1

31 Magic Points

Subject: How do i get rid of bad credit?

Sun Apr 27, 2008 12:54 pm

I am renting a flat that has bad credit against the property from a tenant that lived there before, i cant buy things on line because i fail the credit check. how do i get rid of the credit of the flat i live in?

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3927

10 Magic Points

Sun Apr 27, 2008 12:58 pm

How can they deny you on based on a past tennant, that does not make sense at all. Usually it will go on the individual, not the residence, So if they do this than anyone who would buy a foreclosed property would buy the bad score of the person who live there before, this makes now sense at all.

Are you sure that there is nothing on your personal credit record that is stopping you from purchasing. I have never heard of credit being denied because of the address of your flat.
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Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35466 Magic Points

Mon Apr 28, 2008 11:34 am

Is there anything wrong with your credit report or score? That might be a reason for denial of credit. Did you check your report?
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Laura.

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: credit report

Tue Apr 29, 2008 12:21 pm

Yep.......i think LAURA's right. You can't get turned down for anything based on where you live ( not legally anyway). It WOULD be a good idea to check your credit report.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35466 Magic Points

Wed Apr 30, 2008 7:11 am

Hi Cat any update? Were we able to help in any way?
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Regards,
Laura.

Fasfeed

Joined: 06 Feb 2008
Fasfeed's page
Posts: 85

3295 Magic Points

Wed Apr 30, 2008 7:01 pm

I agree here when applying for credit you social security number doesnt tie you to anyone else.There must be something derogatory in your creidt file. Could it be that you may not have enough credit history established.You are not liable for someone else bad credit unless you were also on their account as co borrower.

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: account

Thu May 01, 2008 2:39 am

CAT..when you get an 'update', i would like to know, too. Also..if you have bad checks, etc...that kind of thing can 'deny' you renting/leasing an apt. I'm not saying this is the case, I'm just 'putting it out there'. I DO know some Landlords do background checks, as well.

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