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Alison Cole asked: An individual?s past history of borrowing and repaying and other information such as late payments collectively form what is known as his credit score. Whenever somebody applies for a cell phone, credit card, loan from a bank, or a loan from a store, the company which receives the application checks the previous [...]

Joe S asked: I’m in college and the place I’m trying to get an apartment in says I need to pay for a credit check for me and my parents after I informed them that I have no job at the moment and that my parents will be paying for my rent. Why would I [...]

Elle Reese asked: Who knew apartments required good credit before giving you a lease? Many unsuspecting bad-credit-applicants have realized this fact the hard way. I know I did.Why do apartments do credit checks anyway?Turns out apartments view a lease as a loan. If you’re seeking a 12-month lease on an apartment that’s $800 a month, [...]

soulpatchpsu asked: My girlfriend and I are getting an apartment together. She failed her credit application and thus has to go on the lease as an occupant. I passed my check with flying colors and such we are getting the apartment. I would like to safeguard myself should something go sour in the relationship. Is [...]

Sabin asked: I rent out my college house during the school year and want to do a background check and credit check on these people to see if they can pay the bills. How would I go about this?BYRON