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Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Is this legit, re: the apartment
The person wants me to submit all of my financial info before making an appointment to see the place. I'm supposed to sign up for some credit protection thing, which will verify my credit score, and it's free if I cancel within 7 days.
That sounds shady, right? I don't want to run a credit check if I'm not even sure I want the place.
The day I left was just my beginning.
Re: Is this legit, re: the apartment
dont run your credit if you are not sure...
every hit hurts it
You have the right to remain silent. Anything you say will be misquoted and used against you. My Blog
We had to do a credit check for our current place, as well as for most of our previous places.
Of course it's possible it's not legit, but a lot of places require it.
ETA - I see now that they're asking it before you submit an application. Yeah, that's weird.
Having to do that before you even SEE it sounds weird. Unless maybe in higher demand areas they want to make sure you can afford it before bothering to "waste" their time showing it?
In any case, if you do get around this and want to apply for it ask if you can give them a copy of your credit report and run it yourself for free from www.annualcreditreport.com. You can run each agency's report once a year for free. I wouldn't sign up for any website they sent.
ttc chart
BFP 8/01/12, EDD 04/10/12, mm/c @ 6wks, discovered at 8wks, D&C 9/05/12
Same here but afterI submitted my application. Veeeeeeery shady.
Definitely shady.
Personally, I wouldn't do it. You shouldn't have to submit your personal information until you're sure you want to apply for the place.
I don't think the concept is shady, but maybe the way he suggested doing it is a little out of the norm.
Husbands should be like Kleenex: Soft, strong, and disposable.
Did you find this place on Craigslist? Sounds like a scam.
http://consumerist.com/2009/05/scammers-advertise-fake-apartments-want-your-real-credit-information.html
I'd be extremely concerned. It sounds like a scam to glean all your financial information. Request to see the apartment first. I'd be wondering if there even WAS an apartment at this point.
Updated September 2012.
I would not like it and probably wouldnt do it, But I am thinking it is more like this:
If someone wanted to see a $ 500,000.00 house for sale, I'd want to know that they could actually entertain the idea of buying it, rather than they are just nosey and want to see it. Why waste my time showing it to them if there is no way in the world they could possibly afford it.
This is a scam. They are trying to get all of this information from you to steal your identity. Think about all of the info you'd have to provide in for a credit website like that, it is everything they need to steal your credit.
CLs is full of these, be careful. Too good to be true, probably is. They steal listings from real estate agents and post them as apartments or houses for rent. If there is no phone number, be causious. Definitely do not give them this info unless you are AT the property, looking at it with the owner, and they want to run a credit check at that time.
I would ask if you can show them your credit report that you get for yourself. I believe you can opt to not have your SSN printed on it. Maybe that would be a compromise if you really like the place? And if he refuses then it will look shadier.
The ad you posted did look legit, not like the ones where scammers pull pictures from an MLS website and then pretend to be renting the house out.
ttc chart
BFP 8/01/12, EDD 04/10/12, mm/c @ 6wks, discovered at 8wks, D&C 9/05/12
This is not entirely accurate, either. You do need to pay to get your score. The free reports just show you the info and you're only entitled to one per year per credit bureau. Every apartment that's run credit has had a fee for running the credit report associated with it. It's usually just come after I've seen and applied for the apartment and doesn't involve some BS "you have to cancel after 7 days" clause.
Husbands should be like Kleenex: Soft, strong, and disposable.
You're right, I misspoke. You don't have to pay to get your credit report, but you do have to pay to get your credit score. However, someone you're trying to rent from should be checking your credit themselves (hence the charge, as it is not free to check someone elses credit) not expecting you to do it yourself (and pay for the privilege). That is a major red flag. I've always had landlords run my credit AFTER I apply to rent from them, and certainly never before actually seeing the property.
EDIT: here is a link describing the scam: http://www.nationalcreditreport.com/index.cfm/News_PR_01282010
Its the same in certain parts of Vancouver too; you can't even get an appt. to view something without being pre-approved. It weeds out tire kickers and people who can't afford it. There's such a low vacancy rate that it's necessary.