Pete asked:


Can a prospective landlord keep a deposit ($500) used to secure an apartment, if the prospective tenant changes his mind about wanting to rent the apartment (in Ohio)? No lease was signed, only an application with an agreement to run a credit report. An application fee ($30.00) was charged, and it was stated that it was non-refundable.

secured credit application

CHOSEN1 asked:


Can this affect my chances not getting my home loan, I applied for store credit at walmart it was only $800 limit, I have yet to use the card. If this was not on my original loan application can this affect my chances of securing the loan and falling out of escrow

secured credit application

Shannon B asked:


When you are trying to lease an apartment, what are the main things they are looking for on your credit history in order for an approval? Are they interested in all of your credit card bills and other payments or are they mainly concerned with your rental history and bankruptcy background?

get credit

Dr. Andrews asked:


I ran out of the 3 free credit reports today, and one agency said my score was 663.

I don’t want to run more than 1 because I’m afraid that will affect my score. I know that sometimes people use the mid-score. If one of my scores is 663, then conceivably, what is probably the lowest possible score?

In other words, what’s the typical spread between the high and low? Can we deduce the scores from the other agencies by knowing 1 score?

HELP! I really want this apartment.

get credit