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All Forum Posts by: Daniel Miller

Daniel Miller has started 27 posts and replied 119 times.

Post: credit-report issues

Daniel MillerPosted
  • Fremont, CA
  • Posts 122
  • Votes 18

ummm... *really?!?!* ... that's interesting, the site says "click here to get your free first report"...

Frankly, I don't have any of that equipment, and its none of their business anyway. oh well...

Post: credit-report issues

Daniel MillerPosted
  • Fremont, CA
  • Posts 122
  • Votes 18

Well, in the one prospect so far, I got it from MySmartMove, which was $25 per copy. However, I'm thinking of trying your Mr Landlord.com, which was only $15 each. I'm going to try that tonight, on this current prospect.

I haven't been printing out stacks of contracts when I show the house, I just handed out a slip of paper with the link to my website, where they could download the file, fill it out, and email it back to me. That seemed like a handy process, except that they cannot email me a check!! Don't have a solution for that problem...

Post: credit-report issues

Daniel MillerPosted
  • Fremont, CA
  • Posts 122
  • Votes 18

Dave Meyer: well, for the reasons that I stated... the cost is essentially inconsequential, and I don't have to worry about an initial check being bad... Since my time to deal with things (such as meeting them an additional time to collect this cash) also has value, it's an option that's worth me thinking about.

I would have been running credit reports this evening, for the current prospect, if I wasn't waiting for their application-fee check to come in the mail... Furthermore, if I could have gotten them cleared today and/or tomorrow, I wouldn't have needed to spend half of Saturday showing the house to other prospects, which is what I'll be doing (I already have 5 appointments to show the house on Saturday, and one tomorrow). (Well actually, I *don't* want to work that fast, but it does demonstrate my point).

Post: This one will be a bit of a challenge

Daniel MillerPosted
  • Fremont, CA
  • Posts 122
  • Votes 18

Well, the prospect emailed her last two months of bank statements, and it immediately answered one question - why would she want to drop a house that she owned, and go back to renting?? Well... how about a mortgage payment that is almost twice what my rent is??

I also looked at their house on Google maps, and it's floorplan is probably larger than mine, disregarding the second floor that they have. It's a typical modern home, massive mega-mansion, with almost no yard. I thought my place was huge, but they could hide my house in their garage. This is sounding more credible now... If their credit reports check out and don't have any flags, I may meet with them and go over the Lease Agreement.

The only thing that I'm a little uncertain about, is the payroll receipts that she sent me... they look like they were typed on a typewriter or something, though every document is identical to the others in format. It looks like whatever software they use to pay themselves from the business (since she is "president" and he is "manager") is clearly *really* cheap and primitive. OTOH, I've confirmed that they *are* the primary operators and owners of the business, from several online sources, including Oakland BBB. That is a good point, I think.

Post: credit-report issues

Daniel MillerPosted
  • Fremont, CA
  • Posts 122
  • Votes 18

Wow... what a difference state makes... Here in the Bay Area, I don't know if one could even rent a room in a house for $650 !!!

Anyway, I think I'll keep drawing credit reports, at least this time around... it gives me something familiar to refer to, and it's a piece of data that has not come directly from the prospect!! But getting the report for $15 instead of $25 is a nice boost, especially if I'm going to run two reports per family. That's cheap enough that I don't actually care all that if they even pay me for them... the first month's rent will pay for hundreds of reports in this market!

Paying for the reports myself, would also completely eliminate the issue of whether or not their check cleared... I have enough to keep track of with all the people that want to view the house and submit applications!!

Post: This one will be a bit of a challenge

Daniel MillerPosted
  • Fremont, CA
  • Posts 122
  • Votes 18

Sounds good, I'll send her the form tonite

Post: This one will be a bit of a challenge

Daniel MillerPosted
  • Fremont, CA
  • Posts 122
  • Votes 18

Wow... Thanks Steve Babiak; I hadn't previously heard of *any* of those forms... I'll forward those to them tonite...

waitiminit, though... won't credit reports reflect their mortgage history??

Post: credit-report issues

Daniel MillerPosted
  • Fremont, CA
  • Posts 122
  • Votes 18

Ahhh... well, these two families that I'm dealing with this week, clearly demonstrate why that is necessary... Thanks!

Post: credit-report issues

Daniel MillerPosted
  • Fremont, CA
  • Posts 122
  • Votes 18

One thing that was awkward about researching that family last weekend, was that when I pulled the lady's credit report using MySmartMove, it *only* gave me her credit info, not the husband's, nor the family's.

That's going to be even more important when I'm looking at this new family that owns their own business... if there *is* a financial anomaly in their history, it may only show up in one of their records. I have a sense that I may need to pay for two separate credit reports in this case...

I haven't heard anyone here talking about pulling multiple credit reports when they research a family with multiple members; do you just assume that one credit report will give you complete information? Or *have* you sometimes been pulling multiple reports, and just haven't mentioned it in discussions?

I'm scheduling my showing on Saturday because the the house that I am showing is a half hour from where I work, more that that if I'm near the morning or evening commute periods, so it would be *really* disruptive for me to repeatedly run out from work to show the house....

When I showed the house last Saturday, I had two families scheduled, and both showed up. This Saturday, I already have five scheduled, I'll see how many actually show.