Only 2 yr credit history?
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Only 2 yr credit history? (by Chicago LL [IL]) Jun 16, 2024 12:03 PM
       Only 2 yr credit history? (by NE [PA]) Jun 16, 2024 12:05 PM
       Only 2 yr credit history? (by plenty [MO]) Jun 16, 2024 12:14 PM
       Only 2 yr credit history? (by NE [PA]) Jun 16, 2024 12:21 PM
       Only 2 yr credit history? (by plenty [MO]) Jun 16, 2024 12:25 PM
       Only 2 yr credit history? (by Chicago LL [IL]) Jun 16, 2024 12:59 PM
       Only 2 yr credit history? (by WMH [NC]) Jun 16, 2024 1:18 PM
       Only 2 yr credit history? (by Jim In witness prote [CA]) Jun 16, 2024 2:05 PM
       Only 2 yr credit history? (by DJ [VA]) Jun 16, 2024 2:26 PM
       Only 2 yr credit history? (by 6x6 [TN]) Jun 16, 2024 2:37 PM
       Only 2 yr credit history? (by Just Tim [AR]) Jun 16, 2024 3:40 PM
       Only 2 yr credit history? (by Gene [OH]) Jun 16, 2024 4:14 PM
       Only 2 yr credit history? (by Still Learning [NH]) Jun 16, 2024 4:30 PM
       Only 2 yr credit history? (by Chicago LL [IL]) Jun 16, 2024 4:40 PM
       Only 2 yr credit history? (by Chicago LL [IL]) Jun 16, 2024 4:42 PM
       Only 2 yr credit history? (by Sisco [MO]) Jun 16, 2024 4:44 PM
       Only 2 yr credit history? (by ken [NY]) Jun 16, 2024 5:08 PM
       Only 2 yr credit history? (by MikeA [TX]) Jun 16, 2024 5:09 PM
       Only 2 yr credit history? (by ken [NY]) Jun 16, 2024 5:37 PM
       Only 2 yr credit history? (by plenty [MO]) Jun 16, 2024 5:54 PM
       Only 2 yr credit history? (by 6x6 [TN]) Jun 16, 2024 7:21 PM
       Only 2 yr credit history? (by ken [NY]) Jun 16, 2024 7:25 PM
       Only 2 yr credit history? (by Chicago LL [IL]) Jun 16, 2024 8:36 PM
       Only 2 yr credit history? (by ken [NY]) Jun 16, 2024 8:59 PM
       Only 2 yr credit history? (by 6x6 [TN]) Jun 16, 2024 9:00 PM
       Only 2 yr credit history? (by NE [PA]) Jun 16, 2024 9:00 PM
       Only 2 yr credit history? (by plenty [MO]) Jun 16, 2024 9:59 PM
       Only 2 yr credit history? (by Small potatoes [NY]) Jun 16, 2024 11:28 PM
       Only 2 yr credit history? (by Ray-N-Pa [PA]) Jun 17, 2024 7:33 AM
       Only 2 yr credit history? (by Pat [VA]) Jun 17, 2024 7:58 AM
       Only 2 yr credit history? (by Jasper [OH]) Jun 17, 2024 9:44 AM
       Only 2 yr credit history? (by MikeA [TX]) Jun 17, 2024 10:12 AM
       Only 2 yr credit history? (by Ray-N-Pa [PA]) Jun 17, 2024 12:48 PM
       Only 2 yr credit history? (by zero [IN]) Jun 17, 2024 4:25 PM
       Only 2 yr credit history? (by 6x6 [TN]) Jun 17, 2024 6:03 PM
       Only 2 yr credit history? (by Pmh [TX]) Jun 24, 2024 2:09 PM

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Only 2 yr credit history? (by Chicago LL [IL]) Posted on: Jun 16, 2024 12:03 PM
Message:

Hi fellow LL,

I'm checking credit of a 55 years old applicant. Very high score at 751 but his credit only goes back to May 2022. Huh? He was not a 20 years old young pup. How could his credit be this short? Is it possible that he removed the entire credit prior 2022? This guy had a very well paid Wall street job in his younger years allowing him to retired around 35 years old. With the bad luck in his investments (according to him) and natural disaster (hurricane destroyed his house in Florida in 2022), he has to get back to work. He couldn't get his high paying job back because of the 20 year gap and bad economy. He's been working a retail low paying job in the last 6 months. I spent 30 min talking to the guy and I didn't think that he lied about his young glory years. I'm just curious about his super short credit report. What do you guys think?

--99.128.xxx.xxx




Only 2 yr credit history? (by NE [PA]) Posted on: Jun 16, 2024 12:05 PM
Message:

Prior drug dealer? You check multi state criminal history? --24.152.xxx.xx




Only 2 yr credit history? (by plenty [MO]) Posted on: Jun 16, 2024 12:14 PM
Message:

Witness protection plan? Talking to much a red flag, to much details? --172.59.xxx.xx




Only 2 yr credit history? (by NE [PA]) Posted on: Jun 16, 2024 12:21 PM
Message:

Thatís a good point Plenty. A 30 minute conversation is a LONG TIME to talk to a prospect. --24.152.xxx.xx




Only 2 yr credit history? (by plenty [MO]) Posted on: Jun 16, 2024 12:25 PM
Message:

Any yet every thing he said could be the truth. --172.59.xxx.xxx




Only 2 yr credit history? (by Chicago LL [IL]) Posted on: Jun 16, 2024 12:59 PM
Message:

Thank you everyone for your reply

NE[PA], I used the $25 credit check package of Mr Landlord. I think it's nationwide criminal history.

plenty[MO], Oh.. is talking too much a red flag?

NE[PA], agree that 30min is a long talk. Part of it is my false, I was drawn into his interesting world travel trip story. That's what he did after retiring early

plenty [MO], I think so

--99.128.xxx.xxx




Only 2 yr credit history? (by WMH [NC]) Posted on: Jun 16, 2024 1:18 PM
Message:

Scam somehow. I don't know how but a credit history does not disappear. --173.28.xx.xxx




Only 2 yr credit history? (by Jim In witness prote [CA]) Posted on: Jun 16, 2024 2:05 PM
Message:

I would want to know the reason only two years credit. In witness protection, name change, Prison Or in a coma? --146.70.xxx.xx




Only 2 yr credit history? (by DJ [VA]) Posted on: Jun 16, 2024 2:26 PM
Message:

Hmmm... interesting one.

My first thought was also WITSEC?

If he was like 20 years old, I wouldn't blink - as long as there was no BAD credit.

Did you ask him?

Quite a while back, I did have a tenant who was about let 30's / maybe early 40's years old who had no credit. He told me ahead of time that's what I would find, because he just liked to operate with cash. He was a very good tenant.

However, it's less likely a highly paid Wall street type would have that lifestyle. --68.229.xxx.xxx




Only 2 yr credit history? (by 6x6 [TN]) Posted on: Jun 16, 2024 2:37 PM
Message:

I think your all possibly wrong here?

If the guy retired at 35 because he was well paid, it is also likely that he didn't use credit. If you don't use credit for so long, you don't have a credit score. Your credit history dissapears. Could this be the reason?

Get a copy of his last 4 months bank statements and see how he spends his money.

The only other thing it might be is if he gave you someone elses (youger, maybe son's) identity. Have you looked on FB and other social media for clues?

Perhaps his situation changed a couple years ago and had to start using credit again? --76.129.xxx.xx




Only 2 yr credit history? (by Just Tim [AR]) Posted on: Jun 16, 2024 3:40 PM
Message:

If he retired at 35 he may not have used credit for anything until the hard times hit 2 years ago. Its possible but seems a little unlikely. Most wealthy people I know use credit cards liberally and just pay the balance every month. --68.1.xxx.xxx




Only 2 yr credit history? (by Gene [OH]) Posted on: Jun 16, 2024 4:14 PM
Message:

I would think that asking for 3-4 years of tax returns would tell you a lot and whether his story is substantiated or not. --99.165.xx.xxx




Only 2 yr credit history? (by Still Learning [NH]) Posted on: Jun 16, 2024 4:30 PM
Message:

Using credit cards every month and paying off in full would still show payments being made so that shouldnít be it. I would ask them if they had a name change or any other reason credit history is only 2 years old. I had a tenant that changed their name and even though it was the same ss#, it took running the credit a second time under the other name. --73.159.xxx.xx




Only 2 yr credit history? (by Chicago LL [IL]) Posted on: Jun 16, 2024 4:40 PM
Message:

Thank you everyone for your reply

WMH [NC], thanks for confirming.

Jim In witness prote [CA], the guy travel the world for 10 years before settling down in Florida another 10 years. Still, his credit should go back 10 years while in Florida + credit before he turned 35 years old, not just 2 years. I guess I'll have ask him.

DJ [VA], I didn't ask him because I checked his credit after he left.

6x6 [TN], how about before he retired at 35 yo? Wouldn't he get loans buy cars or used credit cards? It's interesting that you mentioned about son's identity. He is the third (III). He's never married. He has a teenage newphew who is too young to have 2 years worth of credit. Yep, his situation changed 2 years ago when the hurricane destroyed his house. He only has 2 credit cards. One started 2 years ago and another started last month. Decent credit limit at $12,000. Highest balance $1100. Always paid ontime.

Just Tim [AR], how about his life before 35 yo? We have the consumer credit system more than 20 years.

Gene [OH], frankly I think that's too invasive. I wouldn't produce 3-4 years of my tax return just rent an apartment either. I think his story is true. Like people here said, he hit a hard time couple and has to use credit. However what about his credit before 35 yo? --99.128.xxx.xxx




Only 2 yr credit history? (by Chicago LL [IL]) Posted on: Jun 16, 2024 4:42 PM
Message:

Still Learning [NH], thanks for another possibility (name changed). Even though unlikely, I'll check with him. I said unlikely before he's the Third (his father must be Junior and his grandfather would be Senior). If he had the name changed, the Third would have disappeared... Hmm.. or could he change from John Doe to David Doel III? --99.128.xxx.xxx




Only 2 yr credit history? (by Sisco [MO]) Posted on: Jun 16, 2024 4:44 PM
Message:

I donít know the price timeframe involved, but after using credit extensively for decades, I stopped borrowing. My FICO score was at zero.

I suppose that had I opened an account, that my credit history would only include that recent activity. FICO is a I love credit this much score.

--149.76.xxx.x




Only 2 yr credit history? (by ken [NY]) Posted on: Jun 16, 2024 5:08 PM
Message:

how about he changed from John Doe to Jane Doe --74.77.xx.xx




Only 2 yr credit history? (by MikeA [TX]) Posted on: Jun 16, 2024 5:09 PM
Message:

First, witness protection almost always includes a new back history, including a credit history for at least 10 years if appropriate.

Second, having traveled a lot myself, it's almost impossible to travel outside the US without having a credit card. You can't even check into most hotels without one much less make the reservation. I guess if you had a tent and were backpacking across Europe maybe, but how did you make the airline reservation to get there?

I don't find a 2 year credit history plausible in this case. What about past landlords? If he claimed to own a house, pull up the address on the county site and see if he was owner when he said he was. Check and double check everything if you decide to move forward. Everything so far screams SCAM. --209.205.xxx.xx




Only 2 yr credit history? (by ken [NY]) Posted on: Jun 16, 2024 5:37 PM
Message:

anyone capable of retiring by 35 would have a couple credit cards at minimum just for convenience if nothing else. sitting in prison for 10 years would wipe any activity on a credit report --74.77.xx.xx




Only 2 yr credit history? (by plenty [MO]) Posted on: Jun 16, 2024 5:54 PM
Message:

I'd be checking similar names like William and Bill or Richard and Dick, Charles and Chuck... I always ask for a copy of their driver's license, sometimes I just snap that with my phone. --172.59.xxx.xxx




Only 2 yr credit history? (by 6x6 [TN]) Posted on: Jun 16, 2024 7:21 PM
Message:

Chicago LL, If you don't use any credit at all, as the years go buy, the old credit disappears, or at least that is the way I was told.

MikeA, he could have used debit cards.

Ken, wouldn't that show up on a criminal history? --76.129.xxx.xx




Only 2 yr credit history? (by ken [NY]) Posted on: Jun 16, 2024 7:25 PM
Message:

6x6 yes it would,didnt think of that. maybe they only did a credit check and no criminal check.some people simply dont use credit. years ago i was flipping houses in a bad neighborhood and 60% of my buyers had no credit, they got a check,they cashed it and spent it,simple as that --74.77.xx.xx




Only 2 yr credit history? (by Chicago LL [IL]) Posted on: Jun 16, 2024 8:36 PM
Message:

Thank you everyone for your reply

Sisco [MO], Did your credit history disappear after you stop borrowing? If so, how long did it take to disappear?

Ken[NY], I knew someone would say that from my John Doe example :-)

MikeA[TX], you brought up a very good point. It's very difficult to travel the world without credit cards. Thanks for extra thing to check. I would just ditch him if I cannot verify everything. It's easy to find a tenant for this location.

ken[NY], do you mean that if there is no activity for 10 years, the credit report would be wiped clean? You didn't suggest that he was in prison for a long time (causing his credit history to disappear), did you?

plenty[MO], Yes I have a copy of his driver's license. How do I check multiple names against driver's license?

6x6[TN], how long would it take for credit history disappear after not using credits? Debit card has a lot less protections and no point earning. Would a smart ex-wallstreet employee not know that?

ken[NY], yep in the poor neighborhood, people have no credit. However this guy was the opposite of poor. His past profile doesn't fit the low income profile --99.128.xxx.xxx




Only 2 yr credit history? (by ken [NY]) Posted on: Jun 16, 2024 8:59 PM
Message:

Chicago-I believe if no activity on a given item on a credit report for 7 years it will just stop showing up on the report, 10 years for a bankruptcy to stop showing up.So if he was in prison for an extended length of time i believe it would eventually just go blank with no score so yes i am suggesting it is possible he was in prison.So do a google search of his name, you may just find an article or some evidence. --74.77.xx.xx




Only 2 yr credit history? (by 6x6 [TN]) Posted on: Jun 16, 2024 9:00 PM
Message:

I don't really know how many years it would take for ones credit to disappear, but isn't it around 7 years when someone's bad credit is supposed to go away, if they start paying their bills on time?

I would think 20 years would definitely do it though.

However, with todays credit ridden way of life, It would be rare for a 35 year old to go debt free and live off cash at that age, but it could happen.

I would ask him for more details, if nothing else, for curiosity. Of coarse "they" say curiosity killed the kitty cat.

--76.129.xxx.xx




Only 2 yr credit history? (by NE [PA]) Posted on: Jun 16, 2024 9:00 PM
Message:

Maybe a con artist with his story? Pull you into his world? --24.152.xxx.xx




Only 2 yr credit history? (by plenty [MO]) Posted on: Jun 16, 2024 9:59 PM
Message:

Does this person have a name that could be shorten or changed? --172.59.xxx.xx




Only 2 yr credit history? (by Small potatoes [NY]) Posted on: Jun 16, 2024 11:28 PM
Message:

What's a credit report look like after bankruptcy? Him telling you her retired might not quite be the truth. --77.111.xxx.xx




Only 2 yr credit history? (by Ray-N-Pa [PA]) Posted on: Jun 17, 2024 7:33 AM
Message:

What type of cell phone and car did they have? Also - how did he pay for the credit screening? Something doesn't seem right. --24.101.xxx.xxx




Only 2 yr credit history? (by Pat [VA]) Posted on: Jun 17, 2024 7:58 AM
Message:

Curious about hurricane and credit history same time?

Check www bop. gov/inmateloc/ take spaces out, I found a guy with a vacant past like that. My husband gave him 20 minutes to get out, and he did. We were lucky he didn't wait and make us evict him. My bad for not knowing how to check that BEFORE instead of after.

Girl we rented to after that told us people were coming by for 3 weeks after she moved in asking for him, he had already set up shop in a very short time. --216.126.xx.xxx




Only 2 yr credit history? (by Jasper [OH]) Posted on: Jun 17, 2024 9:44 AM
Message:

Just deny for lack of credit history. When you engage in lengthy conversation on first meeting, they feel they have a bond with you, and therefore will be accpeted. As others have said, something is not right. Move on and be glad you dodged a bullet. --71.29.xxx.xxx




Only 2 yr credit history? (by MikeA [TX]) Posted on: Jun 17, 2024 10:12 AM
Message:

6,

As a general rule debit cards didn't work in Europe until only the last few years. Even today you rarely can use it as a debit card outside of an ATM, sometimes it will work as a Visa/Mastercard and sometimes it won't. Twenty years ago they didn't work at all, the only real option was cash or credit cards (and some still used travelers checks). Most hotels in Europe won't let you check in until you give them a copy of your passport and a credit card which they place a hold on for damages. Too many people have simply left the country without paying the bill so they require the protection.

--209.205.xxx.xx




Only 2 yr credit history? (by Ray-N-Pa [PA]) Posted on: Jun 17, 2024 12:48 PM
Message:

Back 40 years ago, it would be common for the husband to have all the accounts in his name and the wife would have nothing. That was the case when my grandfather passed. as a result, my grandmother had zero credit at age 66.

I don't believe that is nearly as common today. --24.101.xxx.xxx




Only 2 yr credit history? (by zero [IN]) Posted on: Jun 17, 2024 4:25 PM
Message:

When my grandfather started getting sick. My grandmother started to worry about finances. She was touching 90 and had my cousin teach her how to write a check as she had never done it before.

Times have definitely changed. --107.147.xx.xx




Only 2 yr credit history? (by 6x6 [TN]) Posted on: Jun 17, 2024 6:03 PM
Message:

Thank you, MikeA. I didn't know that. --76.129.xxx.xx




Only 2 yr credit history? (by Pmh [TX]) Posted on: Jun 24, 2024 2:09 PM
Message:

on my credit report are cc & loans from 20 years ago. they donít disappear. --12.232.xxx.xx



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