We have been looking for a rental home in Taylorsville , Louisville or Shelbyville Kentucky, per we are reloaction from New Mexico to Kentucky.\r
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We found a home located at 8802 Chetwood Trace, Lousiville KY on. The home currently rents for $1,300 a month with a $1,300 deposit. We currently rent for well over this at $1,500 a month and can definatly afford the rent. We make over $8,500 a month of VERIFIABLE income which we offered to the rental company. They never asked us for a copy of financial information either. \r
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We contacted the company and were advised to visit their website and fill out an application for rental. We did so and then we were charged a $60.00 application fee. \r
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After filling out the application we were sent an e mail stating that they found discrepancies and delinquencies listed on our credit report and to please provide further explanation of these delinquencies and a future credit plan.\r
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We provided explanation and the future credit plan and the debts listed. We then received an e mail stating that they were denying us the rental property based on the credit reports and used the statement “Our business is setup to receive only well qualified applicants with minor credit blemishes.” They kept our $60.00 and didn’t even provide any type of service to us. They basically ripped us off for $60.00!\r
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All things listed on our credit report are school loans, hospital bills, cell phone bills, insurance bills, etc. and there is NO rental blemishes of any kind any where. We provided them with over 3 years of rental history including landlord names and telephone numbers to verify CLEAN rental history with NO late payments and NO missed payments. The company did not even contact the landlords. We called to verify that this was not done. \r
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This company based their decision to not provide adequate housing for us based on a credit report of NON RELATED debts and not on our RENTAL HISTORY. If we had “well qualified with minor credit blemishes” we would be BUYING a house rather than renting. To deny an applicant based on NON RELATED debts is absurd and horrible business practices and this business should not only be investigated but fined. To deny an applicant and then not even return their money is THEFT in it’s highest regards! \r
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Here's my tip.... REFUND if someon is DENIED or OFFER additional pay options to help with them qualifying instead of just denying someone!
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