apartment application questions

[pisces2473]

Okay so C and I are probably moving sometime in mid-November and I'm in the process of filling out my part of the application. They asked for credit references. Who do I put down for that? I've never had any loans--the only debt I've ever had is a credit card bill. Do I have to put something down?

[Kitty]

You can put down your credit card company and your bank.

[pisces2473]

They did ask for the bank already...and there are two lines on the app. for credit references. I guess I'll just put down my CC company and they only get one!

Thanks Kitty :)

[cache]

Why wouldn't a standard credit check provide enough info anyways?


Somewhat OT, but when I was looking at a place to rent, the owners of this house gave me an application....9 pages long! It asked for every detail, including bank account numbers and balances, my car insurance levels of coverage, etc...I took one look at it and said "no thanks!"

[pisces2473]

I don't know. I ended up putting down my primary bank, my credit card company and another bank where I have the wedding money my parents gave me. How do landlords get info? Can they really just call up and ask the balances and stuff? I don't get it. I never thought to ask this before...

[Kitty]

I don't know. I ended up putting down my primary bank, my credit card company and another bank where I have the wedding money my parents gave me. How do landlords get info? Can they really just call up and ask the balances and stuff? I don't get it. I never thought to ask this before...

I think it's just a formality for the most part. If they're running a credit check, they're going to get all this info anyway.

I had to go through hell and back with my current landlord. She wanted to know EVERYTHING and she really grilled me about every aspect of my life - down to whether or not my car would be leaking oil on her cement :googly:

I thought she was going to highly annoying to rent from, but she's actually been hands-off. And because she's so anal and particular, she's been extremely responsive to any problems

[winneythepooh7]

My current landlord Googled me. I thought it was going to be problematic renting from her as well after that happened, but not at all. We've never met her even. Everything goes through the management company.

[mishl982]

I think it's just a formality for the most part. If they're running a credit check, they're going to get all this info anyway.

I had to go through hell and back with my current landlord. She wanted to know EVERYTHING and she really grilled me about every aspect of my life - down to whether or not my car would be leaking oil on her cement :googly:

I thought she was going to highly annoying to rent from, but she's actually been hands-off. And because she's so anal and particular, she's been extremely responsive to any problems
Same thing with me and my roommates. Our landlord wanted a lot of info that we didn't feel comfortable providing. It asked for our bank info, statements, pay stubs, etc. We didn't think much about it until after we turned it in. We were also concerned because the guy was very anal about how we had to take care of the wood floors so we wondered if he'd be anal about everything.

Although we were a bit weary, I kind of had a gut feeling the guy wasn't some weirdo who'd steal our money, and it turned out he's very nice, and like Kitty's landlord, very hands-off and helpful when needed.

[winneythepooh7]

Same thing with me and my roommates. Our landlord wanted a lot of info that we didn't feel comfortable providing. It asked for our bank info, statements, pay stubs, etc. We didn't think much about it until after we turned it in. We were also concerned because the guy was very anal about how we had to take care of the wood floors so we wondered if he'd be anal about everything.

Although we were a bit weary, I kind of had a gut feeling the guy wasn't some weirdo who'd steal our money, and it turned out he's very nice, and like Kitty's landlord, very hands-off and helpful when needed.

I can kind of understand the landlord's perspective. I constantly deal with landlords who HAVE gotten screwed so I do see the need for all this information, and even googling a potential tenant........

[pisces2473]

I think it's just a formality for the most part. If they're running a credit check, they're going to get all this info anyway.
How do they do a credit check with just my name and my bank's name? I didn't have to give a SS# or anything.

LOL Winney--my landlord's can Google me. I don't have anything to hide ;)

[coll214]

yeesh, when I rented my apt way back when, they wanted nothing. Fill out their piddly form and POOF here's your key :huge:. But then even though the place had a mgmt company the landlord was pretty low-key.

[pisces2473]

But then even though the place had a mgmt company the landlord was pretty low-key.
Yeah, they never called me back when I was looking in that area. :rolleyes:

I seriously almost printed out a copy of my resume and stuck that in the envelope!!! They wanted to know how long I've been at my current job, so to be nice, I put my last job's info as well. I didn't want them to think I was weird about working--since I've been at this place only a month.

[Kitty]

How do they do a credit check with just my name and my bank's name? I didn't have to give a SS# or anything.

LOL Winney--my landlord's can Google me. I don't have anything to hide ;)

Oh, they're usually upfront about it..and they charge like $20 or so to do it. Most places around here run credit checks. But, if they didn't tell you they were going to and didn't charge you for it, they aren't.

[pisces2473]

Oh, they're usually upfront about it..and they charge like $20 or so to do it. Most places around here run credit checks. But, if they didn't tell you they were going to and didn't charge you for it, they aren't.
Well, there is a $200 deposit with the application--which is returned if we don't get the place...so maybe that's where they get the money?

[Kitty]

Well, there is a $200 deposit with the application--which is returned if we don't get the place...so maybe that's where they get the money?

No, it's usually an "application fee" and you don't get back even if you don't get the place.

[Skyblade]

For credit references you can also put like your cell phone account info, or your cable bill account info, etc.