Credit.com VS TransUnion SmartMove

But the debt may continue to impact your credit for longer than those seven years because the collections company can also place an item on your credit report. Depending on how the account is handled, whether it’s within the statute of limitations and whether you attempt to negotiate or pay the debt, the item can appear on your credit report for as long as around seven-and-a-half years from the last payment... Source: 12 months ago

I read a lot about ignoring the Vantage scores provided by Creditkarma and while I'm satisfied with my Experian Fico 8 score, I got a trial membership on credit.com to see all the other Fico scores. Source: about 1 year ago

Just requested the credit.com people to remove it and also disputed on Transunion systems, hoping that it gets removed soon. Should not be affecting me negatively then, right? Source: about 1 year ago

So if I understand correctly, FICO 2/4/5 are used for mortgages. I then tired to dig deep into my report and got a free weekly trial from credit.com to see all other FICO scores. From 3 bureaus. And as per credit.com, my credit age and account mix ratings are either C or C- category (across all 3 bureaus). All other factors have either A or A+ (if that matters). Source: about 1 year ago

I opened an account on credit.com, like you said, and canceled immediately. Credit.com shows my FICO 9 score as 668. It also shows that I have 2 negative records. They are both the same collection that I mentioned in my original post (2 different bureaus). Source: about 1 year ago

One potential solution is to limit showing to one day of the week, then give applicants a chance to apply on the spot (a service like mysmartmove.com that they pay for can give you a fast response) and allow them to make their deposit and sign a lease the same day. Source: 12 months ago

Thank you so much! A great real estate investor you are. I experimented a little bit at mysmartmove.com and myrental.com with a couple of emails and they works exactly like what you described. I have just sent out my applications to the grad students from myrental.com. I chose my myrental.com simply because I see that it costs a little less than mysmartmove.com . Just trying to help the college kids save a few bucks. Source: about 1 year ago

I'll type slow... mysmartmove.com You create an account, when applicants give you name and email, you fill out that info on the website. The applicant pays the fee, enters their SSAN and verified their ID. Then, you get a report on their pay, credit and criminal history based on TransUnion searching them. You never see their SSAN. Which, if that info were ever compromised, I would worry about liability. Source: about 1 year ago

Mysmartmove.com run by TransUnion. You never see the SSAN and get a report they can't edit. Source: about 1 year ago

Also rentcheck.com and mysmartmove.com are websites that vet tenants for a minimal fee. Source: almost 2 years ago