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Updated almost 14 years ago on . Most recent reply

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Bienes Raices
  • Orlando, FL
280
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2,498
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Everything else okay, but extra addresses on credit report?

Bienes Raices
  • Orlando, FL
Posted

The applicant listed one rental address on their rental history and said they were living in Brazil before then. But when I pulled the credit report there are other Florida addresses listed from years ago. I checked their reference for their current address (an apartment complex in this area) and the reference came back fine (paying on time, etc.). But on the criminal there is a speeding ticket from ten years ago that lists a South Florida address that is not on the application.

Should I approve if the employment verification comes back okay, or reject, or try to get more info. from the applicant on the addresses? Credit was so so--not horrible, but on $800 item currently listed as in collection, and one charge off from 10 years ago for $5000 from Chase Bank. No credit score listed. Thanks.

Most Popular Reply

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George P.
  • Real Estate Investor
  • Baltimore, MD
268
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George P.
  • Real Estate Investor
  • Baltimore, MD
Replied

Google them weird addresses - they might be PO Boxes or something (mailing addresses).
I wonder why credit score would not be listed?

Regarding wife's SSN - tell them that SSN is no hit and watch for reaction. They might been off by 1 number (accidentally) or off by 9 numbers (intentionally). But then again, if you're not interested in them two, don't bother. I'd send a rejection letter in this case with the following reason: unable to verify SSN.

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