There are a number of things that a potential landlord is going to ask for when you apply to move into one of their apartments. You want to make sure that you are providing all the information that they need to increase your chances of getting into the apartment that you would like. One of the things that the landlord will do is run a credit check and look at your credit report. To ensure that there is nothing wrong with your credit report, you need to take a look at it yourself ahead of time and fix potential problems.
A credit report is simply a report card that is going to show off your credit history. It is sometimes used by potential lenders to determine whether it is risky to lend you money. Basically they will use it to figure out how likely you are to make all of your monthly payments on time to them. Some of the things that you could learn by a credit report includes:
# The dates that you opened a credit card or took out a new loan so they can see how long you have held onto them.
# The current balance that you have on every account that is tied to your name.
# Your payment history and whether you have done a good job of paying all of your bills on time.
# The credit limits that you are able to use and the total amount of the loan so they can see how much you are given as well.
# Any bankruptcies if you have had those too.
# Any information that is going to help you identify you like your address, name, and social security number.
There are three main credit reporting companies you can work with including TransUnion, Experian, and Equifax. They will be able to show the credit report to anyone who asks if you have started the process of a credit account or a new loan. These companies are going to operate independently of each other so it is possible each one is a little different.
Come and take a look at some of our apartments for rent in uptown Phoenix to see if they are the right place for you to call your own home. We are proud to have an amazing selection of apartments that are certain to meet your needs, with great amenities and a community that makes you feel like you are right at home. Don’t wait too long to jump on these amazing apartments and make them your own.
