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Appreciation post: I finally get why people say to get your credit report before house hunting, after a 5 month mess in Columbus
I used to think pulling my credit report could wait until after I found a place, and that cost me 5 months. The landlord in Columbus pulled a report I had never seen, and there was a collections account from 3 years ago I did not know about that I had to dispute and get removed. It took 11 weeks just to get the paperwork cleaned up, plus 6 more weeks for the lender to rerun everything, and I almost lost the unit because of it. Now I tell everyone I know to get the report first, even if it is just to see what is on there. Has anyone else had a landlord find something that was not even yours?
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stellat461d ago
Man, it's wild how often the stuff that bites you is the stuff you didn't even know was there (like a bad charge on a bill you never looked at). Getting ahead of it is the whole game, whether it's credit or anything else with paperwork.
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