Tenant history question: does negative report show up on CR if...

improvent363August 5, 2011

1. Does it show up in your tenant history if you are living in a house whose mortage is over 60 days due but its not under your name but your parents name? Meaning, Will my rental application will be rejected because of that, even though the house is not under my name and the mortage loan is not under my loan?

2. If someone do a address history search *in one of those background check websites) and see the bad history on the house their, will that effect me getting a house for rent and just because I live in that current address that is owned by my parents?

Note: I did check my credit report and nothing negative is shown.

Thank you for reporting this comment. Undo
badgergrrl

no. And no.

    Bookmark   August 5, 2011 at 11:30PM
Thank you for reporting this comment. Undo
improvent363

@badgergrrl
what makes you so sure? (I ask because I want to be comfortable with a better explaination of your answer :))

    Bookmark   August 5, 2011 at 11:45PM
Thank you for reporting this comment. Undo
linda117117

Your credit is yours alone. Credit reports are not based on an address. If that were the case a landlord with an 100 unit apartment building would have the power to ruin everyones credit who lived in that building by not paying his mortgage. ONLY YOUR history of your bill paying is on your credit.

    Bookmark   August 6, 2011 at 12:08AM
Thank you for reporting this comment. Undo
cmarlin20

I am a landlord and review credit reports, others are correct your report is tied to you on your social, DOB AND your address only for verification purposes, but not on other people's loans at that address.

You will have no problem.

    Bookmark   August 6, 2011 at 3:30PM
Thank you for reporting this comment. Undo
badgergrrl

improvent, you need to learn a little more about how credit reports and credit scoring work. I suggest spending time on the forums at either myfico.com or creditboards.com; both places are filled with people who are very knowledgeable and helpful, as well as many folks like you who just don't know. If you ever want to buy a house or a car and don't plan on paying full cash, I would recommend educating yourself about credit and credit reports.

    Bookmark   August 6, 2011 at 8:06PM
Sign Up to comment
More Discussions
Specific real estate agent required by divorce decree
Hi real estate agents, does anyone know if it is legal...
martine81684
1031 Reverse question
We already purchased an investment property and are...
Patience Spina
Move or not?
Went to an open house the other day. The house was...
zeitgast
Off market for 6 days, why? ncrealestateguy?
Hello, long time lurker, first time poster. I hope...
heather483
something to check when buying a home (pets/carpet)
something i wish i'd checked out before purchasing...
kiki_redo
Sponsored Products
Home Bazaar Brooklyn Row House Birdhouse - HBK-1013
$106.20 | Hayneedle
Salsbury Clear Plastic Card Holder for 4B+ Horizontal Mailbox Door - 3697
$12.99 | Hayneedle
Salsbury Key Keeper - 1080AP
$39.99 | Hayneedle
Salsbury Tenant Parcel Locker Lock for 4C Pedestal Parcel Locker - 3476
$34.99 | Hayneedle
Salsbury Tenant Parcel Locker Lock for 4C Horizontal Parcel Locker - 3776
$34.99 | Hayneedle
Salsbury Tenant Parcel Locker Lock for Cluster Box Unit Parcel Door - 3376
$34.99 | Hayneedle
© 2015 Houzz Inc. Houzz® The new way to design your home™