06-17-2012 05:20 PM
I was told by my tenant of 8 yrs in Georgia that a mortgage company (Academy Mortgage) pulled her credit I guess, and said that I have reported her a few times lates over the last 2 yrs. In 8 yrs she's been late about 6-7 times but not only have I not reported anyting but don't know how to? Is there a way something is being reported on my behalf without me knowing??
06-17-2012 05:29 PM
Obviously there is a way if it happened.....
Do you have any parties who would be aware of your business dealings with your tenants? Is your business incorporated?
I would suggest that the tenant contact the CRA and get the name of the furnisher of the information.
If the CRA wont do it informally, then he/she can file a formal request for the info under FCRA 609(a)(1).
That would solve at least that part of the mystery.......
06-17-2012 06:16 PM - edited 06-20-2012 02:22 AM
If this is a home or condo, do you have a property managment company managing your property? Aslo does your tenant pay you directly?
06-18-2012 05:23 AM - edited 06-18-2012 06:17 AM
It is a home and I am not incorporated and this particular home is not managed by a company. I am having her to pull all 3 credit files today and compare it to what this fly by night company has pulled. I think they are stringing her along, I have not reported anything and I wouldn't do that to a tenant who has been a great tenant over 8 years. There has been times she has requested that I write a letter on her behalf to variou creditors. So it is not as obvious as one may think.
06-18-2012 02:31 PM
She has the absolute right under FCRA 609(a)(1) and (2) to obtain the name and address of the party who reported the information.
JUst have her send the info request to the CRA, along with proof of her identity and the required processing fee, which is currently $11.00.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.