I am moving in with my fiancee in May, I used to be in the property management industry, but that was awhile ago, and I just submitted my application without my SSN and with express instructions they are NOT authorized to run my credit nor have my SSN.
She is the owner of the condo, in Florida (in case that matters), and they do not allow renters, unless they are family members. Once we get married, they can't prevent me from moving in anyway. I am not rushing my wedding and marriage along for them, though.
I got this idea when I was in property management, a guy refused to allow us to run his credit nor get his SSN because the news did an expose on how lax people are with protecting SSNs once they go out of business, they just toss the crap in the trash, wonderful Op Sec!
Anyway, with Bank of America giving out credit cards to illegals or at least people without SSNs, I am making my stand. Question is, can they deny my application?
2007-03-23 04:01:04 · 4 answers · asked by Wolfgang92 4 in Business & Finance ➔ Renting & Real Estate
She owns the condo, I am not applying for a loan, and according to her bylaws she cannot have a renter, and I am not going to be a renter. She has been living there paying all her bills without my help, alone, for three years - so my credit is a non issue.
They got my $150 dollars to process my application and they have received every other bit of information about me except my SSN. Seeing what my friend just went through as an ID theft victim gives me pause to give anyone my SSN. And from being in the business, I know how tentative property management companies keep their accounts.
And as for FL being stricter, that may be true, but since I am not violating their bylaws by renting from her, they have NO reason to run my credit, just do a criminal background.
2007-03-23 05:47:33 · update #1
Wait, what application is this? For the loan, for the HOA or what?
2007-03-23 04:49:23 · answer #1 · answered by pokecheckme 4 · 1⤊ 0⤋
For someone that claims to have been in the "property management industry" you sound pretty foolish. There is almost NO WAY that any credible lender is going to accept yet alone approve an app without a SS#! The only exception could be if you get a "No Doc" loan. In most of these cases, "no doc" loans are used by criminals and other people who are using unreported or otherwise illicit money to purchase a home. In most cases they provide the balk of the security for the loan in cash. This is how drug lords and gangsters manage to buy mansions. Some how I don't think you fit into either of those categories!
Either honestly complete the app like a normal human being or don't bother wasting the time of EVERYONE involved!
2007-03-23 11:57:21 · answer #2 · answered by Anonymous · 0⤊ 2⤋
No, you cannot.
Bank of America is giving pre-paid cards.
The condo company is assessing their risk by asking for your SSN. If you're fearful of fraud, run your own credit check, wait 6 months and run it again. The three main credit bureaus are really good about removing liabilities that you can prove don't belong to you.
2007-03-23 11:48:58 · answer #3 · answered by Heather N 5 · 0⤊ 0⤋
yes they can deny you, condo board esp in Florida are very strict to enforce the by-laws, playing hard ball now with the condo board, it will only get worst once you move in
The condo board can make it very difficult to live in the place
2007-03-23 11:58:37 · answer #4 · answered by goz1111 7 · 0⤊ 0⤋