Home Pointe ripoff waste of time take your money and tell you that you are scum slime-ball Sacramento California
We have seen our share of Slum lords since we did a military transfer last year. We Won in court yesterday, judgement in our favor for moving into an aparment that already has residence living in it (mice).
In the interim we were looking for a house to rent and spent an entire day following an agent around that was showing properties in the area. We decided to put in applications for 3 properties we had in mind.
We were looking in the price range of 1000-1250 a month in rent. Considering we were already paying 1020 to live with mice in an apt. we didn't mind speding the extra dough to have a house.
We filled out the aps. and gave consent to have 30 dollars a person debited from our checking account.
I get all (3) credit reports, Trans union, Equifax, experian, on a monthly basis and have for the past year with a service that I have signed up for, so I know our credit is A-OK,
My husbands is perfect, mine has a couple hospital bills, but those aren't supposed to be taken in to consideration when granting credit or in a application to rent. I gave them a copy of the recent credit report from equifax just to be nice, and save them some time. Still saying Hey charge me 60 bones but heres a recent credt report. It says they process aps in 2-3 business days. I got a call 4 days later from a woman named Tina asking me if we wanted her to run our applications "OR NOT" She was very rude... She told me since I gave them a copy of a credit report she wasn't sure if We wanted her to process the apps... Ummm hello! Didn't we sign the credit check fee application form!!!
I get a call the following monday 7 days after we put in the aps and Tina tells me we have been denied cause we have more the 20% bad credit. HUH???
She said she pulled Trans Union Credit file, which I already have and a recent one to boot. I asked her what she was looking at that made her come to her decision, she had no answer.
We just received a 5K loan from Navy Federal Credit Union and we bought a New truck w/ an interest pmt. of 7%. Sorry but ppl w/ neg credit aren't getting bank loans or low interest anything!
They charged 12.50 to pull Trans union Credit reports per person, when they are only 8.00 they charged, 12.50 to process it, and 5.00 to check refs (employment, rental etc.) No one called refs or verified employment, we would have known considering 17 years in the military ya know if someone calls your Boss or not...
Needless to say the next day Tuesday we were pre-qualified and then approved for a conventional 103% financed NO MONEY DOWN home loan because of our high credit rating, and excellent payment history.
So now we are looking for a home to buy, and have seen the same house's for rent that we looked at still for rent and its 2 months later. When we do buy our home I will remember Home Pointe and note NEVER to call them to manage jack.
I want to rent the property not find the credit pope and his family to move in.
What a ripoff I believe Tina should have her credit report looked at and find out if she qualifies to have a job running others apps. I bet you she will be denied!
Hey I think you owe us some money, a whole 10 bucks, should I wait for the check in the mail. I would aslo like my equifax report back, iclude the check with the credit report.
Jennifer
Sacramento, California
U.S.A.
1 Updates & Rebuttals
Anon
Miami,Florida,
U.S.A.
applying for apts in California
#2Consumer Comment
Thu, January 23, 2003
The legal maximum for a credit application fee for rental in California is $35.
When you apply for an apartment, most landlords want to run their own credit report, they will take your copy but they also do their own.
Most landlords have services run the reports, and it isn't just a credit check. It is public records, AKA's, checking accounts and any eviction history in a particular state. These reports cost close to $20-$25 to get, plus the time of the leasing agent.
You may have been denied due to having 20% outstanding credit due, not necessarily "bad" credit. If you just purchased a vehicle, a significant chunk of your income is probably dedicated to that payment. That is a factor in a rental application. Also, California has a real housing crunch, so applying for apartments is competitive. Landlords often receive multiple applications for a unit, and they are well within their rights to pick the "best qualified" tenant, as long as they don't discriminate and apply the same standards to every application.
You are entitled to know specifically why you were denied. You are not entitled to a refund of your fee. If the credit report was a factor in the denial, the landlord must give you the address of the bureau used, and you can request a copy of your report and see what might be on it. This report would be free, if you tell the credit bureau you were turned down for the application (you have 60 days to get the free copy).
Also- just for your future reference--landlords don't really want tenants who have "issues" with former landlords. Even if you have a legitimate beef about a current or previous landlord, it is best not to spew about it when applying for a new place. It is like applying for a job--you don't badmouth your current or previous employer and expect to land the job. No one wants a trouble-maker.