I run my own credit reports with the information provided on the application. 

Pricing for the lower credit scores is higher for obvious reasons.

His lawyers tried to blame me for the poor quality work but I presented them with a signed contract cancellation which let me off the hook and not liable or responsible to provide the seller with one single bit more than what he had already been provided before he cancelled his contract with me, and on top of it I also presented my unpaid bills.

I heard credit unions but haven’t yet verified.

Fannie Mae , Freddie Mac , etc. know your credit score and own it .

But, even those companies cannot overcome poor expectations.  

Now I'm only getting 3-10 Messages per day.Sometimes people get there and don't like that it's a duplex and they have to share laundry, some don't like that it doesn't have central Air, and some just don't make enough money to qualify or have bad credit.

But enough about philosophy, and on with the tale.In 2008, the stock market had crashed, the credit market had imploded, and the housing market was sliding into the into the toilet.

Would I be required to form a new business account and credit card? 

Just like I think the majority of the human race are good people, most of my tenants are normal, reasonable, good people.In general, I don't think society thinks poorly of landlords and other REIs.