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Citi Diamond Preferred online offer different from mailed offer.. thoughts

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clocktick
Valued Contributor

Re: Citi Diamond Preferred online offer different from mailed offer.. thoughts

I just wanted to throw it out there that I am a landlord, and I would care if a potential tenant was credit card searching immediately before filling out a rental application.  Of course there are other factors but...just being real.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Message 11 of 13
B335is
Moderator Emeritus

Re: Citi Diamond Preferred online offer different from mailed offer.. thoughts


@clocktick wrote:

I just wanted to throw it out there that I am a landlord, and I would care if a potential tenant was credit card searching immediately before filling out a rental application.  Of course there are other factors but...just being real.


So as a landlord, what do you consider too many inquiries?  I've lived in many (15+) different apartments (both private and corporate) and inquiries were never an issue.

Message 12 of 13
clocktick
Valued Contributor

Re: Citi Diamond Preferred online offer different from mailed offer.. thoughts

Not the inquiries in and of themselves, the looking for credit as in credit cards.  It's a case by case basis.  Income and references have a much higher priority (as well as demeanor and how long the person wants to live at a particular place).  Recent derogatory marks and lates are a huge red flag, as well as judgments, of course.  There are certain credit checks out there, specifically for landlords, that do not show the entire credit profile but these sites actually "grade" the potential tenant on their likelihood for paying rent.

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 13 of 13
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