Re: extra address on credit report - Landlord Forum thread 332695

Re: extra address on credit report by Anonymous on March 26, 2015 @21:47

The address could be a place she lived rent-free — with a parent, for instance — thus her answer about not having rented more than two places previously is correct even though a third appears on the report. Not every prior address will have a corresponding rental/ownership record attached.

If there is a current (or even prior marriage) sometimes you will see a spouse's prior address end up on the other person's report not because the individual ever lived there but because their spouse at one time did (prior to marriage). There are cases where individually-held accounts nonetheless appear under the other person's credit report even when they are neither a current joint nor an authorized user, because at some point in the past they were reported as such and the designation stuck (hasn't been corrected). If it's TransUnion, in particular, I would ignore it (they seem to be the most error prone of the big three).

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So, what do you propose? by CCRider (CA) on March 27, 2015 @02:35	[ Reply ]

Are you saying that landlords should believe everything an applicant tells them? And are you saying a landlord should not believe what is on a credit report? Basically, what you've been saying is to not require any documentation, and if a tenant hands you documentation from their own source, that even then, if the documentation says something different that what the tenant verbally tells them, that a landlord should always believe what a tenant says. Do I have it right?