ASM Properties Joe Collier Jon Selinger Sherri Kooperman Mike Collin Brent Logsdon Lied regarding credit score weight of importance in decision to approve or disapprove Brentwood Tennessee
Found property on zillow.com. Made appointment to meet realtor to look at property. Met with the realtor(Sherri Kopperman) at property. OPenly discussed factors for approval and disapproval of applicants. Specifically told realtor that my credit was good and fiance's credit was bad. Stated this specifically to avoid instant denial upon agencies official discovery of this information.We were transparent about this problem with our finances in an attempt to avoid wasting time and money moving forward if this factor was a critical component of the agencies decision process. We were assured it would not be a problem by the realtor. She stated that they would probably only require a higher deposit payment to make up for this one flaw in our financials. We were made to feel it would not be a waste of effort time and money to move forward.
We chose to move forward. We proceeded to fill out the extensive application providing all of our sensitive informationincluding photos of our drivers' licenses, SS #'s, 2 months of pay stubs, names and contact info of employers previous landlords and character references. Even a picture of our dog. We went through this invasive gathering of our information with under the assurances given by Sherrri Kopperman that the negative credit history of my fiance would not be a significant factor in the decision. Skip to receiving a call from the realtor that the owner of ASM has denied our application sue to her low credit score. Despite our incomes being quite high and my credit score being "Good".
Not only have we wasted time and effort and exposed our information to people we do not know and now do not trust, we wasted $100 and have both taken a "Hard inquiry" hit to our credit that will remain for 2 years. When I pressed Sherri Kooperman in the final phone call about her having lied to us to get us to move forward in the process she denied having done so and rudely hung up the phone on me.
Was the property that she showed to us only a prop to create application fees as a stream of income for this management company? If I were able to speak to the landlord, what would she think of this interaction? Who knows? Engage this company at your own risk.