But, an actual credit report, from on of the credit bureaus, will not only list all derogatory actions, it will even say why the score is the number that it is - public records, debt to available credit too high, etc., etc.

Then again, credit bureaus seem to treat these specific inquiries as less "bad" as the ones for e.g. car loans and such.

Additionally, online rent collection is key, as are the added benefits of things like being able to report a tenant's on-time rent payments to the credit bureaus to help them boost their credit score (added incentive for making sure they pay that rent on time).

They must be subscribers to the credit bureau(s).

Thus larger operators tend to utilize LLCs to seek DSCR loans, which are not based upon DTI and don't report to credit bureaus.

They can be consistently a few days late, not bother paying items not reported to the bureaus, never reporting damage in the home, never reply back to important queries, not take care of their children, always late for work, using "credit boost" to get their score up by 10 or so points, etc.

@Brian Woline , I have not heard of going through the credit bureaus.

@Ody Orad- thanks - most lenders  will use  a tri merge  report  -  this accesses  the three main bureaus  and gets   3  scores  ....the  middle  score  is used ....if you middle score  is under  700- the pricing  will be  slightly worse  than if you middle score is  over 700

I do it this way just because there are a lot of scammy websites that pretend they're the official site and going through the FTC page eliminates the possibility I'll go to one of those by mistake.Of course, if you're working with a good mortgage person they should already be talking to you about a lot of this stuff, what your score is and how to get it higher, etc.If you can get the free report from each of the bureaus and look it over, and have it in hand when you talk to mortgage people, it can give you a head start talking with them about any issues such as lack of credit or certain accounts that might be impacting you a lot but could be easily paid down or paid off, etc.

Look up the date that FICO worked with the national credit bureaus to create a credit scoring mode.