financial (credit report) help needed

[jpsf]

well, i know some people around here know what's up with credit so maybe you can help me.

right now i'm lookin' to move in to a new apartment. most places are asking for a credit report. mine is not the greatest, but i did find an error that i just corrected with citibank. they said i owed them $376 for the last 5 years.

today they took that off their records and said that this will be reflected on my credit report in the next 30-90 days. unfortunately, i need to move sooner than that.

is there anything i can do to get my credit report updated sooner than that?

[JMJ]

Originally posted by jpsf:
well, i know some people around here know what's up with credit so maybe you can help me.

right now i'm lookin' to move in to a new apartment. most places are asking for a credit report. mine is not the greatest, but i did find an error that i just corrected with citibank. they said i owed them $376 for the last 5 years.

today they took that off their records and said that this will be reflected on my credit report in the next 30-90 days. unfortunately, i need to move sooner than that.

is there anything i can do to get my credit report updated sooner than that?

No, but a $376 collection paid or unpaid is going to have little effect on you getting or not getting that apartment. As a landlord, I would be looking at your income to debt ratio and late pays more so than ONE collection, especially for such a small amount. As long as that's all you have to worry about, don't sweat it......JMJ

[JMJ]

If for some crazy reason the collection DOES become an issue, have the creditor fax over a letter stating that the collection has been paid.......JMJ

[jpsf]

Originally posted by JMJ:
If for some crazy reason the collection DOES become an issue, have the creditor fax over a letter stating that the collection has been paid.......JMJ

good idea. thanks!

unfortunately, that wasn't the only thing wrong with my credit, but i figure every little bit helps. i'm on track now with my finances, but i am making up for lost time when i wasn't. i have 1 credit card with alot of late payments and it's way over the credit limit:(

but hopefully, they will consider my current landlord's referral and the fact that i have had the same decent paying job for the last 4 years.

thanks for the advice.

[Erob the One]

Sometimes offering a large deposit to be returned in a year is an option. As long as you show that you have a decent job, and you are willing to pay a larger than required security deposit - you should be alright.

Erob

[mhd]

true, but don't offer the large deposit if you don't have to, as for your credit report your correspondence should reflect not only that it was paid but that it was in error, but like j said, for such a small amount its not that crucial

[houseaddict]

Get confirmation from Citi that A) it was an error and 2) it has been satisfied. Do this regardless of your situation in finding an apartment. It may be taken off in 60-90 days and it may not.

I am a real estate broker here in NY and I know about this shit. I know plenty of landlords that hold on to deposits illegally. DO NOT POST ADD"L DEPOSITS IF YOU DON"T HAVE TO!!!! I recommend offering add'l months rent if it comes down to it. Add'l month's deposit should be the absolute last straw.

Good luck and stay up on your credit. That shit can haunt you for the rest of your life!! Try not to live beyond your means which I know can be difficult!!

[DJ Timmy Richardson]

Originally posted by jpsf:
well, i know some people around here know what's up with credit so maybe you can help me.

right now i'm lookin' to move in to a new apartment. most places are asking for a credit report. mine is not the greatest, but i did find an error that i just corrected with citibank. they said i owed them $376 for the last 5 years.

today they took that off their records and said that this will be reflected on my credit report in the next 30-90 days. unfortunately, i need to move sooner than that.

is there anything i can do to get my credit report updated sooner than that?

Just have the letter stating that it is an error and that will suffice. If you can prove mistakes in your credit report, most people will overlook them. Keep all paperwork at hand.

[MyNia]

I just moved into a new apartment over the weekend. According to the leasing office they are looking for a few key items:

evictions
recent bankruptcy
debt to income ratio (that is where a security deposit comes in) the ratio is 30% of your monthly gross income towards rent. Some places will go up to 40% when calculating.

[Dj Pat]

If your Moveing in Chicago, the Bottom line is not what you owe or who you havent paid, its if you have a judgement on you from a land-lord or property owner...eviction's, etc.
And if you paid them off, there should be a satifaction of Judgment place on your report saying that you paid it off.
Everything else we realy dont care for.

Dj Pat
Physical Heat Music

[SIPA46]

also what you can do is this, send a letter asking for you credit report
not score.. and when that come to your house.. you call them up and fight what's on your report.. ( i did it.. a few years ago.. it took time but trust me
i had a lot of stuff wipe away).and what will happen is this.. the credit company will send letters to all of companies, that have report bad things on your report.. and if those companies don't get back with them in 30 days.. they will wipe it off your report.. i know you will need it done fast.. but when you do move into your apartment.. i would do this fast as possible.. and also to make it quick and easy.. draw the same letter and make copies.. of them.. and just keep sending letters to fight anything that you see on your report

good idea. thanks!

unfortunately, that wasn't the only thing wrong with my credit, but i figure every little bit helps. i'm on track now with my finances, but i am making up for lost time when i wasn't. i have 1 credit card with alot of late payments and it's way over the credit limit:(

but hopefully, they will consider my current landlord's referral and the fact that i have had the same decent paying job for the last 4 years.

thanks for the advice.

[uvwx741]

1.老板和老公都是你赖以生存的人，当然你也可以舍二取一，但会大大增加你的风险。只有老板没有老公你会孤 独，只有老公没有老板你会空虚。 2.对老板和老公你基本上是各付出50％的时间。白天陪老板晚上陪老公，一般不能颠倒，除非你可以做到二合 一，但那样的话你将会24小时面对同一个人，早晚把你烦死。 3.老板和老公都会按月给你钱，前者叫做薪水，只要你按时出工基本上会及时足额给你，即使拖欠几个月那也是 帮你攒的，真不给了可以告他去；老公可以给你钱也可以不给，没地告去全凭自觉，遇上不自觉的也只能自认倒霉 ，好在不用你把老板给你的钱倒贴给他，若真遇上还要倒贴的老公，你真该考虑让他下岗了。 4.对老板和老公你都要付出劳动，无论是给老板打文件、做计划还是帮他打扫房间甚至倒杯茶都是有价值的，都 体现在年底红包或礼品里；对老公付出的劳动全部是义务的没有价值的，老公在成为老公之前还会偶尔送你一些礼 品，至于成为老公之后你就彻底丧失了这个待遇。 5.老板和老公都有对你发火大吼的可能。如果是前者你要小心了，你如不采取可行的弥补措施，你离下岗的日子 就不远了；如果是后者那他就要小心了，如果他不采取切实可行的措施弥补你在感情上所受到的惊吓，那他就要面 临下岗问题了。 6.老板在你的一生中可以换无数个，人们会称赞你有本事敢炒老板鱿鱼；老公你不能换太多，一般若换到第三个 就不会有第四个人敢冒这个险了。応援ライブチャットポチ女豹の元気あっぷぷしますランキングライブチャット参加エログ満?dライブチャットファンチャットレデ ィ。どうせならプライバシーマークがあってこんな企画が出来るプライバシーマーク会社のプライバシーマークサービスを利用したいものです。先 ?L私の勤める会社ではISO27001の内部?O査?g施しました。今回より内部ISO27001?O査委?TになってしまいISO27001先 ?Lは?O査に忙殺され。相変わらず壁面収納見晴らしはいい。新たに二カ所の指摘をするだけですみました。今日、家具の搬入でしたその新居に壁面収納を 。からくり?A段?N降?C技?gを応用した介?o用?C器としての?A段?N降?Cは、前回の?A段?N降?C作?Iで安全装置の取 り付けが?K了しました。

[jorgea]

I would not worry so much about your credit report. But be willing to offer a bigger deposit and prove that you are working and can pay the monthly rent.




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