Credit Report-Frequently Asked Questions

How do I know you people are honest? (back to top)

	Mortgage-investments.com, Inc. was founded in 1995 and has been on the Internet since March 1998.
	Mortgage-investments.com is a Federally Registered Service Mark # 2,647,595. Very expensive to obtain and requires considerable evidence being presented to the trademark office.
	Most important though is that we do not receive your money nor do we ever see your credit report or the credit report of your tenant.

Can I use my own tenant application they have already signed? Do I have to use your form? (back to top)
We are often asked if you can use a tenant application that the tenant has signed and that gives the landlord/lender permission to run a credit check. The answer is yes. However the form we recommend you use gives you better protection in case the prospective tenant has given you false information or is "litigation-happy".

How is the credit report sent? (back to top)
We do not send you the credit report. You will be able to view it on-line with about 11 minutes.

Is it legal to pull a credit report like this? (back to top)
Your tenant has given you specific written permission to pull their credit report for them. Furthermore, as a prospective landlord you are ENTITLED by law to pull the credit report of a prospective tenant.

Oops. I got a message saying that manual intervention is needed to proceed (back to top)
This either means that the wrong information was entered initially and you ignored the warnings or you gave an incorrect answer to the security question and went ahead and paid anyway.

If the answer is wrong then the tenant will have to call the toll-free number to allow you to continue. They will need to give the user name and password you have created for them.

Someone else's credit is being shown on my tenants credit report.  (back to top)
Each Credit Bureaus search criteria is different, and each assigns importance to search information differently.  As you can see below, Social Security numbers are not the most important factor.  This means that someone ordering (for example) a TransUnion report (not preferred by us) can easily get missed up with someone at the same address and with the same last name. For this reason it is important to always add Jr., Sr. II etc. if applicable to your credit report order.

	Equifax – Last Name, First Name, Address, SSN
	TransUnion – Zip Code, Address, Last Name, First Name, SSN, AKA/Alias
	Experian – Last Name, First Name, SSN, Address

(Incidentally, this also explains why so-called New Credit Schemes that involve applying for a Taxpayers Identification Number from the IRS and using that instead of a social security number do not work),