David Tapper



Time and time again I hear from potential new clients that they have excellent credit. When I ask who ran their credit or who they are approved with for a loan, they answer, I ran my credit myself.
A perfect example happened about 10 days ago when I met a very nice gal and her fiancee who were looking for a home. When we first met, I asked if she was pre-approved and she said not yet, but it shouldn’t be a problem, I have a credit score above 730 and I have an excellent paying job, which she does.
She applied for a loan with her credit union and when they ran her credit, she didn’t have any! She was shocked to say the least. She had paid $15 to run her credit herself online and when the credit union ran her credit there was nothing.
Many people are fooled by these online credit institutions. I’m not going to say the name of the online credit company, but they are one of the big 3 who lenders verify your credit when applying for a home loan.
Now, some folks own rental properties and have used these online services to run credit checks for potential tenants, but after my latest experience, I think it’s time to change.
Even if you have been approved for a loan in the past, If you are looking to purchase a home, get pre-approved first, the criteria has changed and it will save you a lot of time.

Be Sociable, Share!



  1. bbw amor on April 10th, 2012 12:53 pm

    Hello There. I found your blog the use of msn. This is a really smartly written article. I’ll be sure to bookmark it and return to learn more of your helpful info. Thanks for the post. I will definitely return.

  2. Eugenio@new auto loans on April 26th, 2012 12:15 pm

    Thank you a lot for sharing this with all people you actually understand what
    you’re speaking about! Bookmarked. Please additionally talk over with my web site =). We could have a hyperlink alternate contract between us

  3. Paul@no credit loans on May 8th, 2012 8:00 am

    Greetings! This is my 1st comment here so I just wanted to give a quick shout out and tell you I really enjoy reading your blog
    posts. Can you recommend any other blogs/websites/forums that deal with
    the same subjects? Thanks a lot!

  4. Aisha@good website on May 11th, 2012 11:24 pm

    I got this site from my friend who shared with me concerning this web site and at the moment
    this time I am browsing this web site and reading very informative content at this

  5. Damaris@fast loan on June 16th, 2012 2:27 am

    Post writing is also a excitement, if you know after that
    you can write otherwise it is complex to write.

  6. Winston@cool blog on June 19th, 2012 9:48 pm

    May I simply say what a comfort to uncover somebody that
    genuinely knows what they’re talking about on the net. You actually know how to bring a problem to light and make it important. More and more people need to read this and understand this side of the story. I was surprised you aren’t more popular since you surely possess the gift.

  7. Lorenza@instant bad credit loans on June 22nd, 2012 4:07 pm

    Every weekend i used to go to see this web site, for the
    reason that i wish for enjoyment, since this this web page conations truly good funny material too.

  8. Jacques@debt consolidation Singapore on July 9th, 2012 12:32 am

    Wow, superb blog layout! How long have you been blogging
    for? you made blogging look easy. The overall look of your website is magnificent, let alone the content!

  9. Andy Stevens on July 25th, 2012 3:25 am

    Online credit score assessing companies are a real nightmare. I’m glad that you shared a word of warning here. I hope that the whole process will be solved by proper legislation soon.

  10. on August 2nd, 2012 12:38 am

    I think that is among the so much important info for me. And i’m satisfied reading your article. But want to commentary on few common things, The web site taste is ideal, the articles is in point of fact great : D. Just right activity, cheers

  11. Emile@make money marketing on August 12th, 2012 3:31 pm

    Hey! Quicκ question thаt’s entirely off topic. Do you know how to make your site mobile friendly? My website looks weird when viewing from my iphone 4. I’m trуing to finԁ
    а tеmplаte or plugin that might be able to сorгeсt this pгοblem.
    If you hаve any suggeѕtionѕ, pleaѕе share.

  12. Wiley@next iphone on September 18th, 2012 7:44 pm

    I must thank you for the efforts you have put in writing thіs blog.
    Ι am hoping to sеe the same high-gradе contеnt by you іn the futurе
    as well. In faсt, youг creаtive writing abіlities hаs motiѵated me to get mу оwn blοg now 😉

  13. Robbin@Penguinzophren on October 18th, 2012 6:15 pm

    Thanks fоr sharing yоur thοughts оn
    cіalis. Regards

  14. on November 14th, 2012 4:42 pm

    I’m gone to inform my little brother, that he should also pay a quick visit this blog on regular basis to get updated from hottest information.

  15. Chong@Spis stron on November 28th, 2012 6:29 am

    If you are going for best contents like I do, only visit
    this web page everyday because it presents quality
    contents, thanks

  16. Dewey@no credit check loans 4u on December 6th, 2012 9:14 am

    Hello! I could have sworn I’ve been to this blog before but after looking at some of the posts I realized it’s new to me.
    Nonetheless, I’m certainly happy I discovered it and I’ll be bookmarking it and checking back frequently!

  17. Liza@bad credit loans on December 14th, 2012 1:48 pm

    It’s a shame you don’t have a donate button!
    I’d without a doubt donate to this outstanding blog! I suppose for now i’ll settle for book-marking
    and adding your RSS feed to my Google account. I look forward to fresh
    updates and will talk about this site with my Facebook group.
    Chat soon!

  18. Trent@payday loans no credit checks on December 24th, 2012 10:17 am

    When someone writes an post he/she retains the idea of a user in his/her mind that how a user can be aware of it.

    So that’s why this post is great. Thanks!

  19. Katrin@travail a domicile on January 19th, 2013 3:55 am

    Fantastic blog! Do you have any tips for aspiring
    writers? I’m hoping to start my own website soon but I’m a
    little lost on everything. Would you recommend starting with a free platform like WordPress or go for a paid
    option? There are so many choices out there that I’m completely overwhelmed .. Any suggestions? Thanks a lot!

  20. Jeremy@Egroupconnect.Com on February 13th, 2013 2:17 am

    Greetings! Very useful advice in this particular post! It is the little changes that
    will make the most significant changes. Thanks a lot for sharing!

  21. Sima@bad credit loans on February 28th, 2013 1:19 pm

    Good day! I simply would like to give you a big thumbs up
    for your excellent info you have here on this post.
    I will be returning to your blog for more soon.

    Look at my web blog: bad credit loans

  22. Jeannette@Jeannette on March 7th, 2013 8:50 pm

    I would like to thank you for the efforts you have put in writing this website.
    I really hope to check out the same high-grade content from you later on as well.
    In truth, your creative writing abilities has encouraged me to get my
    own site now 😉

  23. Boyd@travail on March 31st, 2013 6:08 pm

    Each site is different and it is very important do your homework prior
    to deciding to begin. A mom can make money $25 to $600 monthly from answering surveys.
    Do all you are capable of to be professional for yourself and also your workers.

  24. Hai@anthony on April 10th, 2013 2:58 pm

    It’s awesome for me to have a web site, which is useful designed for my know-how. thanks admin

  25. Shad@susan on April 16th, 2013 10:46 am

    Good post however , I was wondering if you could write a litte more on this topic?
    I’d be very thankful if you could elaborate a little bit further. Cheers!

  26. Adriana@sandra on April 16th, 2013 1:08 pm

    whoah this weblog is fantastic i like reading your posts.

    Keep up the great work! You understand, many people are
    searching around for this information, you can aid them greatly.

  27. Anya@arthur on April 19th, 2013 8:15 am

    Hi, I do think this is a great blog. I stumbledupon it 😉 I will return yet again since i have saved as a favorite it.
    Money and freedom is the best way to change, may you
    be rich and continue to help other people.

  28. Hattie@Fw1 racing formula coupons on April 19th, 2013 9:28 am

    Oh my goodness! Awesome article dude! Thanks, However I am going through
    troubles with your RSS. I don’t understand the reason why I can’t join it.

    Is there anybody getting the same RSS problems? Anybody who knows the solution
    can you kindly respond? Thanx!!