Yeah, seen that too. I think the apartment listing is a scam. I emailed asking for the address, which was not listed, and I received an email to go to that link fill out the credit report stuff and a few other things.

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Sorry. I have not used them myself. I have seen ads on the net over time and figured it was a place to start.

I think the other suggestions make since. (Check the online newspapers.)

HOWEVER, as I am typing this I remembered a conversation I had with my neighbor. He checks credit as a part of the process to rent his house.

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Didn't Obama send you your stimulus money?

No, wait... he sent it to ME. That's why you owe so much more. 😃

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If you run your credit report a lot it will actually worsen your credit score. Just an FYI before anyone here runs it 5 times a week for a year. :lol:

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I think it hurts your FICA score most too. I'm not sure.

I'm trying to avoid that. I paid for my credit report and offer to send that to whomever needs it instead of them checking in on it and risking another ding to my report.

I think that's stupid though. Finding out your credit score, HURTS your score.

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Yes, because they assume if your credit score is being examined so often, you're applying for a lot of credit, which implies you're trying to live beyond your means. A person shouldn't ordinarily need to have their credit report checked very often.

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Multiple inquiries by potential creditors MAY affect your score negatively.

For example, differing credit card companies making an inquiry...

They are going to assume you are "about" to obtain more credit, prior to the companies that made the inquiries commencement of reporting of that "new" part of your history.

Conversely, if several mortgage companies and banks start making inquiries, the chances are very good that your score will NOT be impacted.

Why?

DEPENDING on the banks you applied to, AND your existing credit history, the chances are good that the software will figure out that you are shopping for a mortgage and will NOT lower (or raise--it depends) your score for trying to get the best interest rate and terms.

They DO NOT lower your score for inquiries made by you.

FICO stands for Fair Issac Company. Your FICO score will differ from the 3 agencies.

By law you are entitled to 1 free report from each of the 3 once a year. Unfortunately, your free report will NOT include your FICO scores.

The free report is obtained from Annualcreditreport.com (All 3)

NOT freecreditreport.com