How do I do a credit check on someone!

[mike peters]

I'm about to rent out my property and need to check their credit. who do I go to to have this done? thanx

 

[TxCollegeguy]

If you have their full name and a Social Security number there are some online services that can do that. I'm not sure the cost but I'll check around.

If I was still a Bill collector I could have hooked you up

 

[TxCollegeguy]

http://www.arsdata.com/acc/

this place charges $20

http://www.0costcreditchecks.com/

this place claims it's free

 

[RyanH]

I once worked for a credit reporting service, so know:

1) getting one's credit file without his/her permission is illegal.

2) with most major credit reporting credits, you must be a subscriber to their services to get a consumer's credit file.

Just be sure to get the person's signed permission before you do it!!!

Ryan.

 

[RyanH]

http://www.arsdata.com/acc/

this place charges $20

http://www.0costcreditchecks.com/

this place claims it's free

Are these places legal? I know for a fact that a person can sue easily sue you if you gain access to their credit file without his/her permission....I've seen it happen before.

 

[TxCollegeguy]

Well I'm not sure about the laws in your state but I would make it clear to this potential tennat that you want to do a credit check to verify whether or not they can pay you on time for the rent...

 

[smallmovesal]

i thought you just needed the pertinent info like their social insurance/security number and then the bank would do it for you for a fee.

 

[Taps]

In Canada, you have to give permission before a credit check can be done on you. I assume it's that way in the US as well.

If you're renting property, just go to your bank and ask them what to do. They deal with that kinda stuff all the time, and should be able to help you out.

 

[AAP]

www.infospace.com all you need.