Robert Vegas Bob Swetz, Las Vegas Henderson Homes for Sale (Realty ONE Group)

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Rainmaker
1,447,182
Bob "RealMan" Timm
Tivoli Custom Homes - Minot, ND
Bob Timm, Project Coordinator for Tivoli Homes

https://www.freecreditreport.com/ hope that helps Robert Vegas Bob Swetz 

Jan 08, 2019 07:08 PM
Rainmaker
3,087,606
Michael Jacobs
Pasadena, CA
Los Angeles Pasadena 818.516.4393

Maybe a local lender will have a viable solution for you,  Robert. Good luck. 

Jan 08, 2019 07:28 PM
Rainmaker
640,689
Candice A. Donofrio
Next Wave RE Investments LLC Bullhead City AZ Commercial RE Broker - Fort Mohave, AZ
928-201-4BHC (4242) call/text
Jan 09, 2019 03:08 AM
Rainmaker
2,775,077
Nina Hollander
Coldwell Banker Residential Brokerage - Charlotte, NC
Your Charlotte/Ballantyne/Waxhaw/Fort Mill Realtor

Can't you do that through a company called Free Credit Report? And I believe that the big credit companies provide one report for free each year.

Jan 09, 2019 04:32 AM
Rainmaker
623,994
Chuck Willman UtahHomes.me
Utah Homes - Alpine, UT
Utah Homes

This from the Federal Trade Commission:

You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from annualcreditreport.com, the only authorized website for free credit reports, or call 1-877-322-8228. You will need to provide your name, address, social security number, and date of birth to verify your identity.

Jan 09, 2019 04:28 AM
Rainmaker
746,186
Diana Zaccaro
Tropical Realty Beachside brokered by eXp - Cocoa Beach, FL
Your Brevard County, Florida coastal connection!

Check this out...

https://www.myfico.com/

My Fico is a great place for consumers to get their credit report and credit scores.

If they want one time access, click on "Products" and on the right go to "one time purchase".

The option with all three bureaus is pricey but will give a good overview since not all creditors report to all three bureaus.

The option with one bureau is cheaper and lets you choose which bureau you want the report from so may work for what you describe.

When I was an LO then mortgage broker I often recommended the site to folks who needed to work on their credit. Since these are "consumer scores", there is no hit to credit for pulling a report. And when I want to check my personal credit,  I use the one-time three bureau option on this site.  

All that being said, when I handle rentals for owners, I pull a background check and credit check which are included in the application fee. Your brokerage may have access to similar and if you are doing rental placements or property management, I highly recommend it.

There are online sites where the customer pays for the report and it goes to the landlord but the owners I work with want the background check as well.

    

Jan 08, 2019 09:54 PM
Ambassador
1,830,741
Hannah Williams
Re/Max Eastern inc. - Philadelphia, PA
Expertise NE Philadelphia & Bucks 215-953-8818

I  am sorry Robert Vegas Bob Swetz  I do not know the answer to that

Jan 08, 2019 07:14 PM
Ambassador
2,263,251
Robert Vegas Bob Swetz
Realty ONE Group - Las Vegas, NV
Las Vegas Henderson Homes for Sale

I searched online for credit reports and it looks like a business and or just another way for companies to take money on a monthly basis.

It's totally confusing ...

Jan 08, 2019 06:58 PM
Rainmaker
702,404
Jeff Pearl
RE/MAX Distinctive / LIC in VA - Lovettsville, VA
Full Service Full Time Realtor

www.annualcreditreport.com  . The Vantage score is what a consumer gets if they purchase a credit report from one of the 3 reporting agencies. The FICO is what most lenders use for mortgage applicaions. www.myfico.com It's best to purchase report from the agency where you spent most of your adult live. On east coast, buy reports from Equifax. If a housing counselor is needed, check hud.gov website. Most are usually free.

Jan 09, 2019 05:12 AM
Rainmaker
477,453
Peter Testa
Nationwide Homes - Danbury, CT
PETER TESTA

I've had clients use Credit Kharma for a free credit report. 

Jan 09, 2019 04:32 AM
Ambassador
2,958,831
Debe Maxwell, CRS
www.iCharlotteHomes.com | The Maxwell House Group | RE/MAX Executive | (704) 491-3310 - Charlotte, NC
Charlotte Homes for Sale - Charlotte Neighborhoods

You've got some great suggestions here, Bob! I hope one of them works for you.

Jan 09, 2019 04:22 AM
Rainmaker
2,987,791
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

Ask a favor from a Realtor friend who does  rentals. They already pay the fee for access and use it regularly! Good luck!

Jan 09, 2019 03:52 AM
Rainmaker
1,450,168
Inna Ivchenko
Barcode Properties - Encino, CA
Realtor® • Green • GRI • HAFA • PSC Calabasas CA

Free gov report as Bob mentioned. 1/year all 3 reports or each bureau every 4 months. 

All banks now offer free fico score for customers.

p.s. i personally run my applicants via my MLS credit report service since they check evictions, criminal records, etc.  and it is around 20$ for a person.

Jan 09, 2019 12:11 AM
Rainmaker
3,009,518
Endre Barath, Jr.
Berkshire Hathaway HomeServices - Beverly Hills, CA
Realtor - Los Angeles Home Sales 310.486.1002

VB reach out to one of your Lender contacts and I am sure they will do it as a favor to you.

Jan 08, 2019 09:38 PM
Ambassador
3,792,156
Bob Crane
Woodland Management Service / Woodland Real Estate, Keller Williams fox cities - Stevens Point, WI
Forestland Experts! 715-204-9671

Several online rental apps where you can have the applicant pay for the credit report and have it sent to you.  Renttec, turbotenant, zillow, ??

Jan 08, 2019 07:49 PM
Rainmaker
665,720
Richard Bazinet /MBA, CRS, ABR
Realty ONE Group - Scottsdale, AZ
Phoenix Scottsdale. Sellers, Buyers & Relocations

annualcreditreport.com

You can also go to your bank where you stash all your millions, and ask them to pull a credit report on you. Usually for free.

 

Jan 09, 2019 08:05 AM
Rainmaker
883,360
Thomas J. Nelson, Realtor, ePRO, CRS, RCS-D
Big Block Realty 858.232.8722 - La Jolla, CA
& Host of Postcards From Success Podcast

There are a plethora of one and done services, including FREE from the Big 3 annually.

Jan 09, 2019 06:02 AM
Rainmaker
1,459,208
Lyn Sims
RE/MAX Suburban - Schaumburg, IL
Schaumburg IL Real Estate

CreditKarma? I'm not really sure of your question.

Jan 09, 2019 06:01 AM
Rainmaker
3,677,239
Dorie Dillard CRS GRI ABR
Coldwell Banker United Realtors® ~ 512.750.6899 - Austin, TX
Serving Buyers & Sellers in NW Austin Real Estate

Looks like Diana Zaccaro got this one..I learned something. I don't handle rentals so was interesting to read the comments.

Jan 09, 2019 05:57 AM
Rainmaker
500,910
Maria Sapio
Berkshire Hathaway Homesale Realty - Carlisle, PA
Real Estate Agent- Carlisle, PA. Mariasapio.com

I think Credit Karma is completely free -

Jan 09, 2019 04:48 AM
Rainmaker
2,896,595
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

I figure you could always get a free report ones a year.

 

Jan 09, 2019 02:33 PM
Rainmaker
4,698,148
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

Lots of options.

Jan 09, 2019 11:28 AM
Rainmaker
1,168,632
Ryan Huggins - Thousand Oaks, CA
www.HugginsHomes.com - Thousand Oaks, CA
Residential Real Estate and Investment Properties

FreeCreditReport.com

AnnualCreditReport.com

 

Equifax, Transunion directly.

Jan 09, 2019 09:53 AM
Rainmaker
973,774
Valeria Mola
SIB REALTY - Sunny Isles Beach, FL
305-607-0709 SIB Realty

A lot of good answers. 

Good luck.

Jan 09, 2019 08:41 AM
Rainmaker
2,711,395
Kathleen Daniels
KD Realty - 408.972.1822 - San Jose, CA
San Jose Homes for Sale-Probate & Trust Specialist

Places like Credit Karma and other online "free" services that banks (credit card companies offer) are not accurate. I take a peek at the online once a month. I recently had my credit pull (for real to be approved for financing) and my score directly from the credit bureau was 26 points higher.  
We are entitled to one free report annually.  You can get it here. 

https://www.consumer.ftc.gov/articles/0155-free-credit-reports

Jan 09, 2019 07:44 AM
Rainmaker
2,717,968
Richard Weeks
Dallas, TX
REALTOR®, Broker

Check with your local board.  You may be able to order a credit report and a back ground check on an as needed basis.

Jan 09, 2019 07:18 AM
Rainmaker
4,101,279
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy

Robert,

You have answers!  A

Jan 09, 2019 07:14 AM
Rainmaker
931,947
Sam Shueh
(408) 425-1601 - San Jose, CA
mba, cdpe, reopro, pe

All freebies have that feature.... Not FICO score.

Jan 09, 2019 06:58 AM
Rainer
201,741
J.R. Schloemer, CRS
Kentucky Select Properties - Louisville, KY

The landlords I know of pull the credit on their applicants, so it isn't something the tenant/applicants need to supply.

Jan 09, 2019 06:37 AM
Rainer
377,556
Rose Mary Justice
Synergy Realty Pros - Dandridge, TN
Synergy Realty Pros

Credit Karma is Free.   

Jan 09, 2019 06:16 AM
Rainmaker
4,658,949
Barbara Todaro
RE/MAX Executive Realty - Franklin, MA
"Franklin MA Homes"

there are many for FREE online,.... you have several of them already listed here.... 

Jan 09, 2019 06:08 AM
Rainmaker
5,026,261
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

You have some good suggestions. 

Jan 09, 2019 05:18 AM
Rainmaker
2,852,568
Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of Manchester NH's Leading Agents

As a landlord, join the credit bureau then you can pull reports direct. 

Jan 09, 2019 05:12 AM
Rainmaker
4,368,330
Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

Good luck.

Jan 09, 2019 05:11 AM
Rainmaker
3,886,836
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

Looks like Bob has you covered.

Jan 12, 2019 07:26 AM
Rainmaker
3,901,494
William Feela
WHISPERING PINES REALTY - North Branch, MN
Realtor, Whispering Pines Realty 651-674-5999 No.

My local bank does it all thetime for customers

Jan 10, 2019 05:52 PM
Rainmaker
1,397,187
Evelina Tsigelnitskaya
SIB Realty - Sunny Isles Beach, FL
www.SIBRealty.org 305-931-6931

Great answers here.

Jan 09, 2019 05:28 PM