Hi, I'm evany Caldwell with Aria investment society. This is video number two of property management one on one resource tools and we're talking about credit. So if you notice right here, the company that I have is my smart move calm. I have the link specifically directly on this particular page. And I done this so you as the student who's trying to learn more about property management, and how to succeed in it, how would you pull your tenants credit How would you pull your landlords your clients prospective tenants credit, so you will go to my smart move calm and then when you go to the page and actually click on there, you will notice is pretty much going to take you to directly to the website. The website you will notice is ran by TransUnion.

It says screen tenants for renters, there's a blog and you can sign up. There's absolutely no membership fees for this. So you don't have worry about it, you can actually choose who's going to pay for this, or you're going to pay for it. Is the prospective tenant going to pay for the one that is generally? Well, it that is generally picked is the best value on which is the smart check premium. I'm not saying that because that's what's highlighted.

I'm saying that because it's actually a fact. It does come with everything. It does give you the income site. And what I mean by income sites is say, for example, they told you they made $100,000 a year. And all of a sudden, when you click on an income site, it'll turn around and say, Well, yes, the income is great, but based upon what the credit report or the credit bureaus has reported in the past, I have this as red because it's not agreeing with what they've said that you know, your particular prospective tenant said that they paid in the past. So my smart move calm is one that you can actually go to, for the purpose of basically finding a tenant Also, I'm sorry, not finding the cheaper running credit.

Also, there is another one called rentec direct Comm. You notice, again, I have it specifically on the particular link that you need to be on. So read direct, that is another one that you can actually go ahead and perform a credit check when it comes to your tenants. If you're looking for a tenant, let's say, you know, with that 700 credit score, you want something that's a little more detail, then rentec direct is one of the sites that you would definitely go to one of the reasons why is because of course yes, you can get a free trial with it. The other thing too is is actually a property management software that's added in there. So it rentec direct.

You can look at it in those the tenants credit reports for the property managers and full time landlords The report is also powered by TransUnion. It includes the final credit score the payment history, patrie public records, you know, it does a skip trace of the individual collections accounts social security number validation. Right here, you can actually see exactly what a sample of it would look like 11 page report, the difference between this and that my smart moves the my smart move is not printer friendly. So I have to emphasize that but you can kind of see how everything is on here. If they're late, you know, it shows the actual payment pattern. My smart move does show a payment pattern, but it's not as detailed as this.

So this is one that I will highly recommend also, same thing, you can actually go ahead and get the tenant to pay for this. That's so that's the novel that I would recommend. Again, I can always I can always basically send this to you up on request. Then the next one is point to property manager. So a point to property manager you see they get the different products they get. They also do have property management software, tended maintenance lead in at least in marketing material, disbursement in general Ledger's, so again, remember, this is all about bookkeeping, the reporting, which is extremely important.

This goes back to let's say your owner wants to sell their property and they need a history of their building, how is basically performing, you see you have the profit and loss the balance sheet, the 12 months balance sheet, the rent roll rows always, always, always is going to be something as requested. If you are a property manager, whether HUD is going to request it because maybe you're you're the property manager for low income building, whether you're lending Lourdes is going to request the rent roll his his or her accountant is going to request it or simply they're selling the building, the investor is going to request it. So this is something that you should actually always know about. Here are the fees for the other thing too, would point to you get the personalized website. And this personalized website is going to be for all the properties that you actually have listed.

So just kind of want to give you that information regarding point two. Now the next one that is pretty good is triple A credit with triple A credit is not a detail as point to but it's a little more superior than my smart move. So if you're only you know the property manager for a small company like you know, you have a boutique company you only have a few buildings, then yes, obviously smart move. If you are the property manager, even if you are a small property management company, but you are starting to get like a lot of large coterie buildings or portfolios. Even if it's with one investor, one landlord, then I would definitely suggest the point to software as well as the triple A credit software. So you can see it actually goes into the civil court records it will actually do once you sign up for this employment verification.

Also, the difference with this one is if you are a property management company, and you do specialize in commercial properties, commercial property management, then guess what you could do a commercial credit check. It also have your forms in there but don't keep in mind. The other ones do have forms for the 10 application form. The tenant credit check form. Here's an example. So you can actually see what goes into it.

So this is pretty much how the credit check will look. Not as to me, printer friendly and eye friendly as point two is which is extremely friendly because again, here is their report. So if you look at the difference between this report and this report, big difference. So this is all I have for credit with Ebony Caldwell, your structure your mentor your train of Rei investment society, using your resource tools to be successful when it comes to property management and getting the right tenant for your client. Again, if you want me to send you this user friendly manual this reference guide for you to refer back to please don't hesitate to follow me or send me an email