Authorization To Pull A Credit Report: Fill & Download for Free

SuggestionsMy credit score was really poor. I was unable to secure a mortgage for a new home with my wife and kids. I was really depressed and living below substandard. I was basically hopeless. I ran into the arms of my uncle Gregory who then introduced me to this Credit specialist called George Gibbs. Well i texted him, and we had a brief discussion and eventually got along. Four days later, he removed all negative reports including the bankruptcy, You can email him foreclosures and medical bills and raised my score to a whooping 794. I am forever indebted to him. You can search for George Gibbs on Quora and contact him through the email in his bio.Here's a simple process you can follow:1. Review your credit reports.The credit bureaus Transunion ,Equifax, and Experian -- are required to give you a free copy of your report once a year. All you have to do is ask.Another way to see your credit reports is to use a free service like Credit Karma. (I'm not endorsing Credit Karma. I like it and think it's handy, but I'm sure other free services are just as useful.)Once you've signed up, you can see your credit scores and view the information contained on the reports. Generally speaking, the entries on the different reports will be the same, but not always. For a variety of reasons credit reports are rarely identical.2. Dispute negative marks.In the old days, you had to write letters to the credit bureaus if you wanted to dispute errors. Now services like Credit Karma (again, I'm not endorsing CK and only reference it because I've used it) let you dispute errors online.Just make sure you get the most bang for your dispute efforts. Certain factors weigh more heavily on your credit score than others, so pay attention to those items first.You can also dispute errors through each credit bureau. If that's your preference, go here for TransUnion, here for Equifax, and here for Experian.3. Dispute incorrect late-payment entries.Mistakes happen. Your mortgage lender may report a payment was late that was in fact paid on time. A credit card provider may fail to enter a payment correctly.You can dispute late payments -- whether in accounts that are current or accounts that have been closed -- the same way you dispute derogatory marks.Your payment history is another factor that weighs heavily on your credit score, so work hard to clean up those errors.4. Decide if you want to play the game some credit repair companies play.So far we've discussed trying to remove inaccurate information only. You can, if you choose, also dispute accurate information.Should you take this approach? That's up to you. (You could argue I shouldn't even mention it, but it is something many people do, so I felt it worth mentioning.)5. Ask nicely.Maybe you tried and failed to remove a negative comment, a late payment, or an account that was marked "Paid as agreed" (which might mean the creditor agreed to let you pay less than you owed). Should you give up? Nope. Try asking nicely.The late payment showed up on my credit report, so I called the credit card company, explained what had happened, that I had been a customer for years, and asked if they would remove the entry. They said sure. And they also agreed to waive all annual fees in the future. (Proving yet again that if you don't ask, you don't get.)When all else fails, call and ask nicely. You'll be surprised by how often a polite request for help pays off.6. Increase credit limits.Another factor that weighs heavily on your credit score is your credit card utilization: The ratio of available credit to credit used makes a big difference. Generally speaking, carrying a balance of more than 50 percent of your available credit will negatively impact your score. Maxing out your cards will definitely hurt your score.One way to improve your ratio is to pay down your balances, but another way is to increase your credit limit. If you owe $2,500 on a card with a $5,000 limit and you get the limit increased to $7,500, your ratio instantly improves.7. Open another credit card account.Another way to increase your credit card utilization ratio is to open a new account. As long as you don't carry a balance on that card, your available credit immediately increases by that card's limit.8. Pay down outstanding balances.Paying down balances may be tough to pull off as a short-term move to increase your credit score, but it should be part of your long-term financial plan. Not only will your credit score increase over time, you won't pay as much interest -- which, if you think about it, is just giving lenders money you would rather stayed in your pocket.9. Pay off high-interest, "new" credit accounts first.Age of credit matters to your credit report. Interest rates matter to your bank account. If you have $100 a month to put toward paying down balances (over and above the required monthly payments, of course), focus on paying off high interest accounts. Then prioritize those by the age of the account. Pay off the newest ones first; that way you'll increase the average length of credit, which should help your score, but you'll also be able to more quickly avoid paying relatively high interest.Then put the money not spent on that payment into the next account on your list.10. Ride some great credit coattails (of a person you trust.)Say your spouse has a credit card with little or no balance and a great payment history; if he or she agrees to add you as an authorized user, from a credit score point of view you automatically benefit from her card's available credit as well as her payment history.Keep in mind if he or she makes a late payment, that entry will appear as negative on your credit report too.So choose your credit card friends wisely.11. Keep your "old" credit cards.Your age of credit history has a moderate but still meaningful impact on your credit score. Say you've had a certain credit card for 10 years; closing that account may decrease your overall average credit history and negatively impact your score, especially over the short term.If you're hoping to increase your credit score but you also need to get rid of a credit card account, get rid of your "newest" card.12. Pay every bill on time.Even one late payment can hurt your score. Do everything you can, from this day on, to always pay your bills on time.And if one month you aren't able to pay everything on time, be smart about which bills you pay late. Your mortgage lender or credit card provider will definitely report a late payment to the credit bureaus, but utilities and cell providers likely will not.Check the "Accounts" section on your credit reports to see which accounts are listed, and if you have to pay late, choose an account that does not appear on your report.Then work really hard to make sure you can always pay everything on time in the future. Your credit score will thank you, and so will your stress levels.And, over time, so will your bank account.

Sure you can if you do the right thing.Now the question is what is the right thing to do to increase your credit score??? I’ll explain a few below1. Stay on top of paymentsKeep your debts in the green to show lenders you’re responsible with credit.According to Experian, payment history is the most influential factor for both FICO and VantageScore, the most common scoring systems.Your credit score is essentially a reflection of your ability to pay back debts effectively. From a lender’s perspective, an established history of timely payments is a good indicator you’ll handle future debts responsibly, too.“You want to avoid things like late payments, defaults, repossessions, foreclosures and third party collections,” says John Ulzheimer, credit expert, formerly of FICO and Equifax. “And filing bankruptcy is a horrible idea. Anything that would indicate non-performance of a liability is going to harm your credit score.”2. Keep tabs on your credit utilization rateWeigh your balances relative to your credit limit to ensure you’re not using too much available credit, a practice which can indicate risk.“The higher that ratio, the fewer points you’re going to earn in that category and your scores are absolutely going to suffer.Credit utilization is one of the most influential categories that influence your score. Your ideal rate may vary depending on the scoring system used.3 Take advantage of score-boosting programsThe number and average age of your accounts are both important factors in helping lenders determine how well you handle debt, which can leave those with a limited credit history at a disadvantage.Experian Boost and UltraFICO are two programs that allow consumers to boost a thin credit profile with other financial information.4. Time your application carefully.Every time you apply for a new line of credit, a hard inquiry is pulled on your report. This type of inquiry lowers your score temporarily.“In general, the effects of hard inquiry last anywhere from 6 to 12 months,” a TransUnion representative tells Bankrate. “And that inquiry is only on your credit report for up to 24 months.”5. Seek the help of a credit expert like myself.I will explain some of the things I did to improve credit scores.Get a copy of your credit reportIdentify the negative accountsPay off credit card balancesContact collection agenciesIf a collection agency will not remove the account from your credit report, don’t pay it!Dispute every negative item on your reportDispute credit inquiresGet added as an authorized userFor more details read more of my articles on my page or send me a message.

Amanda CothrumYou’re one of my best biggest lovers here on Quora.This how it works if you request your own credit report and how the version differ from the landlord requests it.In the field off my studies as an credit expert, we all try to work out our best for the customers.You’ve found the perfect place to rent, and now the property manager tells you all you need to do is fill out an application, so she can run a credit check—gulp.Whether you’ve got great credit, bad credit, or no credit, credit checks probably make you a little uneasy. What if there’s a problem?To help you feel more at ease, I’m going to answer some common questions about landlord credit checks, preparing yourself for one, and your options if your credit isn’t stellar.Can a Landlord Really Check My CreditYes, landlords and property managers can legally screen you as a potential renter, and the screening process often involves a credit check. However, you must give your permission in writing. Your signature on the rental application may count as written permission, or you may be asked to sign a separate credit screening document.Property owners generally check credit using services offered by landlord associations, tenant screeners, and major credit bureaus or by asking you for a physical copy of a report. Be prepared to give the landlord the following information if they intend to order the report:Full nameAddressSocial Security numberDate of birthLandlord Associations will supply tenant credit checks to the landlords for a fee. Depending on the association, the credit check may show up on your credit report as a hard inquiry which may cause a slightly negative drop in your credit score.Tenant Screening Services may also provide credit reports to landlords. However, some of these organizations may not. Some reports the landlord can request may also include any prior evictions, bankruptcies, or judgments, and any other background information they require prior to offering tenancy.Credit Bureaus also provide the landlords with the credit reports, however, these services that are offered by Experian, TransUnion, and Equifax are usually shown as a soft inquiry on your credit report, and they require you to initiate the credit check yourself.What’s Included in a Rental Credit CheckWhat landlords check in a rental screening varies. Some may check only your credit score. Others may require more information. These “tenant screening reports,” as they’re often called, frequently include various reports and details:Standard credit reportsCredit scores or credit ratingsCriminal and sex offender background checksResidence and eviction historiesEmployment verification and historiesSome landlords may also check your public bank and legal records and even dig into your social media profiles to uncover anything they’d consider unacceptable.“People don’t realize there is a full tenant screening. It’s beyond (a standard credit report) in most cases, particularly in the case of a large rental company,” says Rod Griffin, director of public education for Experian.The format of these reports depends on the company supplying them, but in terms of credit information, a report should generally contain the same credit details you would see if you ordered your own credit report.Here’s what landlords usually see in standard credit checks:Loans (current and past)Bankruptcies, foreclosures, and short salesMinimum payment amounts for debt accountsLate payment historiesCredit historiesCredit scoresWho Pays for a Landlord Credit CheckWith a rental application, you’ll most likely pay for the credit check. The check is usually included in the application fee. Concerned about paying that fee when you’re not sure you’ll be approved? You may not have a choice, but if you do, consider the DIY credit check strategies below.What if There’s a Problem with My Credit ReportMany landlords consider credit one of the most important parts of making a leasing decision. What credit score is needed to rent a house can differ from landlord to landlord, but you can expect the minimum to be somewhere between 600 and 620.Certain items may be deal breakers for property owners, however. These could include the following:Car repossessionsCredit card charge-offsAccounts currently in collectionsOther things that matter to most landlords besides credit include income, criminal history, and eviction history.If a landlord uses information from a consumer report to take “adverse action” against you, they must give you the reason in writing and include information about how to order your own free credit report.In other words, if your report contains something negative that the landlord uses to make their decision, you’re entitled to know what this is, and you can request a free copy of your report.Adverse action can result in a denial of your application, but it can also include a requirement for a cosigner, a request for a larger deposit, or an increase of the monthly rent offer, according to(FCT) the Federal Trade commission.What can you do to ensure there are no surprises? Check your own credit in advance and tell the landlord about any potential problems that could be an issue.How Do you Check your Own CreditWill you be renting a home or apartment in the not-too-distant future? Prepare yourself by getting your credit report in advance. An easy way is to find credit expert or sign up for a free credit score from credit .comThe score a landlord receives may be a slightly different number, but all credit scoring models generally take into account the same five factors:Payment historyDebt amountAccount mixCredit history ageNew credit accountsWith your own credit report in hand, ask the property manager or landlord to review the report and see whether it’s worth it for you to apply. You can also ask them if they’ll let you use a service like Experian Connect to purchase a credit report that you can share with people you authorize. Equifax offers a similar service called Identity Report, and TransUnion’s service is called SmartMove.The landlord may still want a full tenant screening, but if you can provide your own credit report up-front, they can tell you whether you have a chance before you agree to lengthier—and possibly pricier—processing.Can I Rent if I Have Bad CreditIf you have bad credit, you might be wondering whether you can rent at all—but don’t worry!“Just because you have bad credit doesn’t mean you aren’t going to pay your rent on time,” says Jeff softley , Director president of Experian , a company that helps renters build their credit by paying through an online portal.Landlords know that renters usually don’t have perfect credit. Often the biggest concern is whether you pay your rent on time. Historically, information about rent hasn’t been included in standard credit reports and confirming on-time rent payments can be a tedious process of contacting former landlords.But recently, some rental payment history has started to appear on some credit reports, and companies like RentTrack can help people build credit through on-time, trackable payments.“Experian was the first company to include positive rent information in credit reports,” Griffin explains. Experian gathers this information from three companies: ClearNow, WilliamPaid, and RentTrack.When tenants Pay rent using one of these online platforms, the payments get reported to Experian—and TransUnion also reports rental payments when available. However, note that you or your landlord have to sign up for one of these services for your rent payments to be included in your credit file.It’s also important to note that if you’ve had unpaid rental payments that were eventually turned over to a collection agency, the collection account will show up on your credit report. Accounts in collection can severely lower your credit score, making it more difficult to rent another place in the future.So be prepared to explain your situation if necessary and take steps to pay off those accounts to show that you’re committed to meeting financial responsibilities.Can I Rent with No Credit HistoryIf you’re a student, a recent immigrant, or newly divorced, you may have a particularly hard time renting for the first time, especially if you haven’t established your own credit history.But if you can find a place, consider paying rent through a rental payment reporting company like RentTrack to build your credit. In the meantime, a landlord may rent to you—even if you have no credit—if you can find a consigner with good credit. To increase your chances of approval, you could also offer to pay the first and last months’ rent or a higher security deposit.If none of those options work, consider looking for a cheaper place to rent where the landlord may have less strict credit requirements.Once you’re in, start building your credit. Pay down balances on your credit cards, make all payments on time, pay more than the minimum payments, and avoid carrying large balances on your accounts.How to Pass A Rental Credit CheckIf you feel that there is even the slightest chance you may not pass a rental credit check, there are a few things a potential tenant can do that will hopefully improve your chances.Find someone to co-sign for you so the landlord has a guarantee that they will get the rent payment, even if you were to default.Be completely honest and up front with the landlord about your finances and show them the progress you have made regarding paying your debt and rebuilding your credit.Offer to pay the rent in advance or offer more for the security deposit to show good faith and your intent to pay what you oweMake sure to show the landlord solid proof of your monthly income or offer to allow them to take the rent via direct depositPay a bit more for monthly rent as a compromise. However, this would probably want to be very last on your list of things to doLandlords are always looking for that perfect tenant, so they have little to worry about especially when it comes to their rent being paid on time. Either as a potential tenant or a landlord, you should educate yourself and always be aware of different scams that may be going around. Federal Fair Housing Guidelines, as well as the standards of tenant screening, should always be followed and adhered to, and if there are any red flags, you should dig a little deeper for more information.Watch to Watch for as a TenantIt is best to find a landlord that is not long distance because this can certainly be a red flag for any tenant. If the landlord is not in the area, then typically they will use some kind of management company or other type of property managers to help oversee the properties. If this is not the case, you may want to be wary of a scam the landlord might be pulling on his tenants.Never go by an oral lease. Always have your lease in writing and retain the signed copy for your own records as well. If the landlord is not willing to offer you a written lease, then this should be a red flag and may mean they will try to scam you out of money.Bottom line: Finally, if the landlord doesn’t have a tenant screening process in place as discussed above and does not utilize tenant screening services at all, then you may find that the landlord isn’t as high quality as you would expect. It may mean that they don’t care as much about the property or they may be running some kind of scam.Just like a landlord is always on the search for the quality prospective tenant by running tenant screening reports and checking credit reports; the tenant should also do their research on the type of landlord they are going to have as well.Thanks.