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Free Credit Checks - Landlord Credit Check _____________________________________________________________________________________

By Martin Lyle - Credit checks are done to determine a person's credit score. The credit score is an indication of a person's financial creditworthiness. It is used to verify whether the person qualifies for a loan, or any other credit, based on whether he has repaid his past loans satisfactorily. What Is Landlord Credit Check

A credit score is used by banks and other lending companies for estimating how risky the borrower is. In other words, a credit report is a reflection of the past credit history of an individual. Credit checks are generally done by lending agencies such as banks and credit card companies. They are done when you apply for a loan. A credit check can also be done by a house owner to determine whether an individual would make a good tenant or not or by an employer. Insurance companies also conduct credit checks. Credit reports can be obtained for free as per the Fair Credit Reporting Act (FCRA). According to this act, once a year, every person is entitled to receive a free credit report from each of the three consumer reporting companies in the U.S.: Equifax, Experian, and TransUnion. This credit report would contain information about the person's address, how he/she pays the bills, and

whether he/she has been sued, arrested, or filed for bankruptcy. A bank or a lending institution can buy these reports about an individual from any of these companies. The report can be ordered through a centralized website,, which contains the required form. You need to provide some basic information including name, address, social security number, and date of birth.

A credit report is essential to guard against identity theft like credit card misuse or other frauds. You also need to keep the report updated as lending companies would be using these reports to check your credit worthiness when you apply for a loan. There are many companies that claim to provide free credit checks and reports. However, these are generally used to just attract people towards their other services. The free services are only for limited periods.

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landlord credit check