question re: credit reports?

YoursTruly

How do you get your credit report?
We want to look at a house tomorrow and they want you to show up with your credit report. How do you do that?
I have literally no idea. Is it something you can print off the internet?
WTF
WTF
WTF
HELP ME GET A HOUSE

swamp_knobbler_mahan

This looks like a spam site, but it's actually not:
https://www.annualcreditreport.com/cra/index.jsp

You're allowed one free credit report every 12 months. Do the form and you'll end up with a PDF eventually after an annoying process.

swamp_knobbler_mahan

More on this process here: http://www.consumer.ftc.gov/articles/0155-free-credit-reports

YoursTruly

thanks Alex!!

lolo

Can you get this from your bank? Is it just for renting? Geez. Landlords these days...

UncleBoatShoes2011

Lolo, you owe me $3100.

swamp_knobbler_mahan

Remember that Oregon law says that the first qualified people to apply for a rental are legally obligated to get the rental! So if you see a place and like it, get that app in as soon as possible. If you get your application in first and you meet the terms of tenancy, the landlord is legally obligated to offer you the apartment.

Also,
"Applications have only one legitimate purpose: To give the landlord information about whether the tenant is responsible and able to pay the rent. If any information requested does not serve this purpose, ask why the information is needed. Don’t provide the information until you have received a satisfactory explanation. You are not required to provide information about your age, sex, race, student status, marital status or other potential discriminatory information. Landlords cannot use such information to decide whether to rent to you. "

YoursTruly

good calls Alex

yeah, landlords these days!!! The deposit on this place is $2,400. That is more than I put down for my apartment in LOS ANGELES. America where did we lose our way

Matthew

Renting in NY has been a prolonged anxiety attack/nightmare which involves giving copious amounts of money away

YoursTruly

question: this place wants us to bring our credit report. Our credit report has our SSN and DOB and all our past addresses and stuff. Is that bad to give to the landlord? It's been a long time since I filled out an application and can't remember if that is normal info to give

ugh

Loose_Thread

Block that stuff out they don't need it

lolo

$310000000

MirandaJuly

kdawg

I am straight up afraid to look at my credit report on account of the problem i had once where i fell down the DoS stairs before the Ninja High School show and the hospital billed the wrong insurance because i had the wrong card in my wallet (to be fair, i was a little disoriented because i'd just fallen down the stairs and it went to collections before I realized it).

kdawg

are you required to let your fiance see your credit report before you get married?

kdawg

(okay also afraid to look at it on account of the time i had a negative $5 balance in my account for several months because the bank had missed my change in address form. Will I never be able to buy a car now? Maybe that's a good thing?)

Loose_Thread

honestly... I think that I won't be able to get "real" married because of my credit rating. : - ( I will get ceremony married but not US law married.

Cherry_Pie

Don't worry, you guys! 7 years after your credit misdeed it will be dropped from your record.

YoursTruly

Mine is surprisingly great, considering that in my youth I was profligate and stupid. I think this must be the 7 years rule?

Now I am still those things but I luckily married someone who is strong where I am weak and he maintains a really strict budget and it is awesome. I highly recommend marrying someone who is good at the stuff you're bad at and vice versa.

MirandaJuly

I've always had a really good credit score. DO YOU HATE ME LIKE ALL THE KIDS IN SCHOOL HATED ME FOR MAKING As?