You can also have it reported to the credit bureaus so she may decide to take responsibility for what she owes you if she realizes it's a black mark on her credit that might prevent her from getting a loan or possibly even a job.

Better off opening 3 or 4 cards and using all of them with 20-30% of the limit than maxing one or 2 out...This was a quick lesson in how credit bureaus judge you,  even if you have never been late.  

Delays in updating credit and public record data put the credit bureaus 3 months behind. 

Since I posted last, I haveHad a lot of conversations with different real estate investors to figure out the path I wanna take in REI.Come up with a semi-competent business plan laying out my financial and real estate goals in the next 5 years.Switched jobs, so now I'm making a bout $2,000 more annually, but working 26 fewer hours a week.Paid down about $2,000 in debt and seen my credit score jump (on average across all 3 bureaus) 54 points.Kept my second job but negotiated a $.50/hour pay increase.We haven't kicked out my wife's aunt, but she now brings in a little money by babysitting some neighbor kids.

If I was the tenants, I would sue just like the landlord would sue and ask for moving expenses plus full deposit and report the landlord to the credit bureaus.

The bureaus allow you to pull your report annually without any cost, and there's three of these agencies to pull from.

(As a side note, when your credit is pulled by a mortgage broker or auto lender, the bureaus treat up to 15 hits within a 30 day period as one.)

Also remind her that her payment history can affect her ability to find another rental property in the future and that you can also report her late payments to the credit bureaus.

They report to the gossip mongers (the 3 major credit bureaus) and the homeowner is toast for at least 5 years.

We do not generally report to credit bureaus.