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HomeCredit ForumCredit repair

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?
 
Posted on 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: 3137



5332 Magic Points

 
Posted on 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.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1407



34540 Magic Points

 
Posted on 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?
_________________
Regards,
Laura.
 
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 891



2654 Magic Points

Subject: credit report
 
Posted on 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

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1407



34540 Magic Points

 
Posted on Wed Apr 30, 2008 7:11 am  

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



Joined: 06 Feb 2008
Fasfeed's page
Posts: 87



3212 Magic Points

 
Posted on 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

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 891



2654 Magic Points

Subject: account
 
Posted on 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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