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Robert Vegas Bob Swetz

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Rainmaker
2,390,577
Bob "RealMan" Timm
Ward County Notary Services - Minot, ND
Owner of Ward Co Notary Services retired RE Broker

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

Jan 08, 2019 07:08 PM
Rainmaker
4,572,117
Michael Jacobs
Pasadena, CA
Pasadena And Southern California 818.516.4393

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

Jan 08, 2019 07:28 PM
Rainmaker
1,052,196
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
5,104,931
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte 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
931,002
Chuck Willman
Chuck Willman - Alpine, UT
NewHouseUtah.com

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
1,090,637
Diana Zaccaro Broker Associate
ZOOM Realty Group - Cocoa Beach, FL
"The Accidental Blogger" Cocoa Beach, Florida

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
2,339,137
Hannah Williams
HomeStarr Realty - Philadelphia, PA
Expertise NE Philadelphia & Bucks 215-820-3376

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

Jan 08, 2019 07:14 PM
Rainmaker
2,401,235
Robert Vegas Bob Swetz
Las Vegas, NV

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
911,228
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
758,035
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
5,229,945
Debe Maxwell, CRS
Savvy + Company (704) 491-3310 - Charlotte, NC
The RIGHT CHARLOTTE REALTOR!

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

Jan 09, 2019 04:22 AM
Rainmaker
5,216,387
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
1,622,432
Inna Ivchenko
Barcode Properties - Encino, CA
Realtor® • 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
4,456,466
Endre Barath, Jr.
Berkshire Hathaway HomeServices California Properties - 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
6,393,154
Bob Crane
Woodland Management Service / Woodland Real Estate, KW Diversified - 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
716,049
Richard Bazinet /MBA, CRS, ABR
West USA Realty - 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
1,543,634
Thomas J. Nelson, REALTOR ® e-Pro CRS RCS-D Vets
Big Block Realty 858.232.8722 - La Jolla, CA
CEO of Vision Drive Realty - Coastal San Diego

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

Jan 09, 2019 06:02 AM
Rainmaker
1,844,271
Lyn Sims
Schaumburg, IL
Real Estate Broker Retired

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

Jan 09, 2019 06:01 AM
Rainmaker
5,005,603
Dorie Dillard Austin TX
Coldwell Banker Realty ~ 512.750.6899 - Austin, TX
NW Austin ~ Canyon Creek and Spicewood/Balcones

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
564,494
Maria Sapio
Keller Williams of Central PA - Carlisle, PA
Real Estate Agent- Carlisle, PA. Mariasapio.com

I think Credit Karma is completely free -

Jan 09, 2019 04:48 AM
Rainmaker
4,936,558
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
4,800,082
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
1,502,998
Ryan Huggins - Thousand Oaks, CA
https://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
1,598,452
Valeria Mola
SIB Realty - Miami, Sunny Isles Beach - Sunny Isles Beach, FL
305-607-0709 SIB Realty Condos for Sale and Rent

A lot of good answers. 

Good luck.

Jan 09, 2019 08:41 AM
Ambassador
3,345,091
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate Services

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
4,882,355
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
5,772,575
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
1,239,901
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
427,257
J.R. Schloemer
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
Rainmaker
536,943
Rose Mary Justice
Synergy Realty Pros - Dandridge, TN
Synergy Realty Pros

Credit Karma is Free.   

Jan 09, 2019 06:16 AM
Rainmaker
5,583,278
Barbara Todaro
RE/MAX Executive Realty - Happily Retired - Franklin, MA
Previously Affiliated with The Todaro Team

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

Jan 09, 2019 06:08 AM
Rainmaker
7,835,769
Roy Kelley
Retired - Gaithersburg, MD

You have some good suggestions. 

Jan 09, 2019 05:18 AM
Rainmaker
3,416,038
Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of the Manchester NH's area Leading Agents

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

Jan 09, 2019 05:12 AM
Rainmaker
4,434,127
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
5,868,472
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
3,986,258
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
2,071,025
Evelina Tsigelnitskaya
SIB Realty - Sunny Isles Beach, FL

Great answers here.

Jan 09, 2019 05:28 PM