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The Rentlaw.com Credit
Center
Whether you are looking to rent or buy a home or even obtain
insurance, you may be subject to a credit check by the lender or
insurer. Banks and potential landlords, credit card companies and
more all want to have a general feel for the applicants past credit
history. Se my team at RentLaw.com has organized, as a starting
point, this credit reference center. Hope this helps.
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- Credit Glossary
- learn the terms used on credit reports or
when you borrow
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Adverse
Action Notice - Learn
about the Adverse Action Notice and how the landlord should use it.
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The Landlord Guide to The Fair Credit Reporting Act
Landlord's
guide to credit reports. Also see Tenant
Screening
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Fair Credit Act
- Guide to the laws that protect consumer's
credit reports and use/abuse.
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- Bankruptcy
- Guides to the Bankruptcy process for
individuals and business. Learn more about Chapter 7, 11, 13
bankruptcy and the new laws that restrict the use.
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Credit
Reports - Learn
How to Use Credit Reports in the tenant screening process -
legally. Avoid Discrimination in the tenant selection
process. |
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- Search
RentLaw.com
- search our files or the web. Search for terms like "tenant
screening" or "bad credit" or "credit laws"
as examples.
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- Tenant
Screening Guide - more
information on the Tenant Screening Process and reason to do so.
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Mortgage
Center - Learn
about mortgages - Fixed Rate, Home
Equity and
more. Don't get over extended. |
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Bad
Credit -
What is "bad credit". Credit Scores are the key to life
today. Right or wrong - the smallest "missed" payment can
have an impact on your credit score and the rate you may pay on your
next car or home or ability to obtain insurance or even a job. Does
the credit score get abused? Yes. |
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Credit
Reports -
see above. From the notorious Credit Report your life flashes before
your eyes. Here's a hint. Actually, a few hints.
1.
Avoid Credit Cards at all times. Not even in an emergency - if you
can avoid it, do so. As the older generation would say - if you
don't have the cash for it - then don't get it. Get it when you CAN
afford it.
2.
If you do have a balance on your credit card - at LEAST pay the
minimum balance on it. That way, you avoid LATE FEES and A DAMAGED
CREDIT REPORT. Even if it was $13.00 to Discover card (like I did)
and you didn't think you owe it - pay it THEN argue for it
back. |
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