Posts Tagged ‘tenant screening’

Ontario Landlords Warning: Tenants and Fake Credit Checks

Saturday, November 30th, 2013

 December 1st, 2013Ontario Landlords Tenant Credit Checks

With More Landlords Demanding Tenant Credit Checks Some Tenants Are Ready With Their Fraudulent Reports!

There are a lot of wonderful tenants out there.

No matter where you are in Ontario, landlords know that with an attractive property at the right price, and with proper tenant screening, you can find good tenants are there.

There are also not-so-good tenants as well.

These tenants can make a your life miserable and cost you a fortune.

These are tenants who lead many landlords to give up and sell their rental properties.

Smart Landlords Screen Tenants Carefully

More and more Ontario Landlords and landlords across the province are doing very careful tenant screening these days.

Landlords from Ottawa, Toronto and Scarborough know tenant screening is key.

This tenant screening approach always includes tenant credit checks.

Good Tenants Appreciate Professional Landlords

Most tenants are reasonable and will understand you want to know who you are renting to.

They will respect your screening process.

If your rental is a multi-unit property they will appreciate the time and effort you take to find their future neighbours.

If a potential tenant has bruised credit, it’s a chance for you to discuss it and still rent to them.

Some Tenants Are Adapting and Finding New Ways to Rip Off Small Landlords

Now let’s get back to those bad tenants.

The post on the Ontario Landlords Association forum was about a tenant who seemed to know more and more landlords were demanding tenant credit checks and was ready.

The post began with the landlord saying:

“I’ve been reading here for over a year when I started looking for my first investment property. I purchased a duplex and began looking for renters earlier this month.”

The Landlord had a couple who came to see the rental property and wanted to rent from him.

He said that the couple both came with letters of employment and offered them to him

One of the employment letters didn’t look real.

The interested tenants also offered an Equifax Tenant Credit Report

The interested tenant said she knew landlords wanted tenant credit reports.

She handed him a some papers saying this was proof she was financially responsible and a good tenant…and enough evidence the landlord should rent to them.

The Landlords describes what happened next:

“She spoke about how good her credit score was and that is important. She showed it to me and the score was over 720.

The problem…it didn’t have her name on it only the Equifax logo and the score.

Everything else looked like it can been covered and photocopied. No name, no anything except the logo and the score.”

The Landlord Didn’t Fall For It

“I told her I would do my own check once they filled out the application I downloaded here. You should have seen the look on their faces.

They took the application and haven’t emailed it to me or called back. These types of people are out there.”

Equifax Tenant Screening Credit Checks

We Called Our Partner Equifax Canada To Learn How To Deal With This And Protect Landlords

Paul Le Vevre is the Director of Operations for Equifax Canada.

Here Paul’s advice for landlords.

1.Credit Reports Always Have the Name and Address of the Person

Firstly, I can confirm that when a consumer either obtains a copy of their credit file (either on line or in person from Equifax), the file copy ALWAYS contains the name/address (plus date of birth and SIN if available) of the consumer.

Personal identification is an integral portion of the file, without exception.

2. Landlords Need To Do Their Own Credit Checks

The only method to ensure the credit file contains true/authentic data is to have the landlord access directly from Equifax (either the file or related products such as Tenant Selector).

Copies of files provided by the consumer are not to be considered valid due to the specific examples you cited.

Experienced Ontario landlords know tenant screening, including credit checks, are an essential part of their success.

Make sure you stay ahead of the game and in control by conducting your own credit checks and making sure you find the good tenants you and your rental property deserve.

Tenant Screening for Ontario Landlords: Tenant Credit Checks and Tenant Criminal Checks

Tuesday, October 29th, 2013

 Ontario landlords Tenant Credit Checks Tenant Criminal Checks

Lots of Good Tenants Are Out There, Make Sure You You Find Them With A Tenant Credit Check

The Ontario Landlords Association continues to stress the importance of tenant screening to landlords across Ontario.

We’ve seen far too many ‘Tenant from Hell’ nightmarish situations landlords have faced this year.

The cases are broad and reveal a huge variety of abuse of landlords and their income properties their hard-earned money allowed them to buy.

This abuse includes everything from non-payment of rent, to damages,and more.

We Demand More Respect for Small Business Landlords

Small landlords in Ontario are an important provider of high quality, affordable housing for tenants.

We are an important part of the Ontario social and financial system.

Most Ontario landlords are decent, hard-working people who have risked thousands of dollars to create rental property businesses.

They took a risk, invested lots of money, and hope for a decent return on their investment.

They also expect a fair system for landlord and tenant disputes.

The Landlord and Tenant Board Is Unfair to Small Landlords

Landlords across Ontario face bad tenants who abuse the Landlord and Tenant Board regularly.

We have seen numerous cases where landlords have been abused by their bad tenants and the system in 2013.

We are calling for changes to the Residential Tenancies Act and major reform to the Landlord and Tenant Board.

We are also calling for a new joint tenant-landlord oversight of the Tenant Duty Counsel program which many landlords believe is not serving it’s original purpose.

The Globe and Mail also says bad tenants are the reason so many landlords decide to leave the industry and sell their income property.

How Can I Be a Successful Landlord in Ontario?

There are lots of good tenants out there. You need to find them to avoid the anti-landlords system in Ontario.

Good tenants will always pay the rent. They will also show consideration to the landlord and not damage the rental property.

The problem is there is a minority of bad tenants who are often very aggressive.

You need to make sure to avoid renting to these bad tenants and make your rental business open to all the good tenants out there who want to find a great rental property and a professional and courteous landlord.

How Can I Find Good Tenants?

According to the Toronto Star, bad tenants can be avoided with proper tenant screening.

You need to make sure you know who you are renting to before you sit down to sign the lease, take first and last, and hand over the keys.

Tenant Credit Checks

A tenant check is absolutely essential for Ontario landlords.

A tenant check doesn’t lie.

It provides you with a comprehensive financial history of the person who wants to rent your property.

What you will see may amaze you.

You can find out if your potential tenant pays (or doesn’t pay) their bills.

You will see if your potential tenant has mistreated past landlords and received judgments.

This is only the tip of the iceberg.

A tenant credit check allows you to really get to know the person (tenant) you are doing business with (renting out your property too).

The Ontario Landlords Association works with the highest quality of companies to give you the services you need to succeed.

For a one time member fee we offer you affordable costs on tenant credit checks and other services.

Take your rental business seriously and aim for success by screening your tenants carefully and finding one of the many good tenants out there!

Ontario Landlords – Find Good Tenants! Get Credit Checks For Only $10/Check

Thursday, November 1st, 2012

November 1st, 2012

Ontario Landlords – Become a Member of the Ontario Landlords Association and Find Good Tenants! Get Premium Credit Checks for Only $10 Per Check!

The key to becoming a successful landlord in Ontario is finding good tenants and avoiding the bad ones.

What’s a “Good” Tenant?

A good tenant is someone who pays the rent on time, respects the lease and the landlord, and takes care of your rental property like it’s their own home.

What’s a “Bad” Tenant?

There are many out there! A bad tenant is someone who won’t pay the rent. Or damages your property. Or both.

You want to find a tenant who will respect you, the property, and the law. Good tenants are out there, waiting for you to find them.

How Can I Find Good Tenants and Avoid the Bad Ones?

One of the best tenant screening tools is a credit check.

What Does a Credit Check Do?

A credit check will give you vital information about your potential renter.

That’s Exactly What I Want!

This is what ever smart and professional landlord wants.  And the Ontario Landlords Association which is made up of landlords knows it and give Ontario landlords the deal of a life-time!

How Do I Do a Credit Check?

Members of the Ontario Landlords Association are assisted every step of the way to do a credit check via TVS or Equifax.

What Can A Credit Check Tell Me About a Potential Tenant?

Lots!

Let’s take a look at why a credit check is an essential part of the screening process for Ontario landlords.

#1:  Tenants with Good Credit Have a Proven History of Paying Their Bills

A tenant with good credit obviously has a history of paying their bills on time.  Someone’s financial past is an important indicator of the present. A strong history of paying the bills means it’s more likely they will pay your the rent.

#2:  Tenants with Good Credit are Likely to Want to Keep Their Good Credit

If a tenant has great credit (especially in the  uncertain economic world we live in today!) they will want to keep it. Tenants with good credit scores will not jeopardize their scores by screwing their landlord around.

#3.  Good Credit Means the Tenants Understand How A Business Runs

When you rent to a tenant who has a history of good credit they will understand your position as a business person.  They will understand your insistence of getting rent paid ON TIME!

How Much Does a Credit Check Cost?

Most financial companies want annual membership fees and charge over $20/check.  Ontario Landlords Association members can avoid these high financial hurdles and get premium credit checks for only $10/check with no annual fee!

This Is Awesome!

Landlords know what landlords need. The Ontario Landlords Association exists to protect and assist landlords. When you own your own rental properties, with your own money, and face the everyday challenges of being a landlord in Ontario you know what tools and services you  need to succeed.

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Ontario Landlords – Become a Member of the Ontario Landlords Association and Get Premium Credit Checks For Only $10/check from your Home or Office Computer.  It’s the Landlord Deal of a Life-Time!

What’s Happening in July 2012 with the Toronto ‘Tenant from Hell’ ?

Saturday, June 30th, 2012

July 1st, 2012

 

What’s the Latest on Nina Willis, the Ontario “Tenant from Hell”?

Our 2012 “Tenant from Hell” Nina wills was told by judge Thea Herman  in June to pay her landlord the rent owed.  Read more here.

How Much Was the Rent Owed?

Willis was ordered to pay her current landlord a sum of $8,250 by money order or by certified cheque.

That’s A Lot of Money!  Did She Finally Pay?

Despite her history of evictions and long list of bounced checks, Willis followed the Superior Court judge’s order and actually paid almost all of the owed money to avoid an eviction.

That’s Surprising!

Well, where else would she move to?  Her face was on the Toronto Star and landlords all over Toronto have come to know her, and to avoid her.

What Would Have Happened if Willis Didn’t Pay?

There was some real motivation for Willis.  If she didn’t meet the judge’s ordered deadline her appeal of an order by the Landlord and Tenant Board to evict her would be void.

The board ruled that Willis must leave because she failed to pay rent. Willis, 48, alleges in court documents she was ordered out because of a “factual error” at the hearing and because she didn’t have an “opportunity to participate.”

Herman had said there was “no dispute” that Willis hadn’t paid rent, but it wasn’t clear if her appeal was “utterly devoid of merit.” In addition to paying the $8,250,

What About Future Rent? (Today is the First of the Month!)

Willis was told she must pay $1,650 to her landlord at the first of each month.

If she doesn’t pay the rest of what she owes on Monday, or pay her rent on time each month, the landlord’s lawyer could take action to have her appeal defeated, lifting the stay on her eviction.

Did Willis Say Anything?

In front of the just Willis promised to follow the order.

Willis said “I do want to pay. I have to pay because that has nothing to do with my case.”

What Happens Now?

Willis has been fighting off various eviction orders for seven months now.  Her usual excuse is claiming the rental property is is deficient for health and even safety standards.

For the landlord, this is another defeat.  He states that he originally planned to present the property to his daughter.  Now that Willis has paid up to this point, he can’t do it.

What’s the Lesson From All This?

The lesson is being a landlord in Ontario is a dangerous game.  It can end up costing you thousands of dollars and months of stress.

Any Advice for Landlords to Avoid Hellish Tenants like Willis?

Yes.  Tenant Screening.  OLA members are offered credit checks for only $10.  Become an OLA member, read posts in the private members forum, use property documents, screen carefully, and do credit checks!

As a member of the Ontario Landlords Association you can avoid these Tenants from Hell and rent to good tenants!

OLA members can do credit checks for only $10.  Isn’t that worth saving yourself from a Tenant from Hell costing you thousands?

 

 

Small Scale Landlords Targeted by Bad Tenants?

Tuesday, January 24th, 2012

January 25th, 2012

You are a small scale landlord.  You offer a great property at a great price and hope to find a nice and decent tenant.

Have you been “targeted?”

Here is a recent post on Kijiji:

Tenantrights2012

Posted: Thu Jan 12, 2012 5:38 pm Post subject: Social Justice? LLs Won’t Rent to: OW/ODSP/Bad Credit!

More and more Tenants across Ontario are finding landlords are colluding and scheming to create a joint force of DISCRIMINATION against people on government assistance or have damaged credit!!

If you are on OW or ODSP, or have damaged credit get ready for rental doors to be SHUT on you!

Thousands of good Tenants face discrimination in the rental market daily and need to fight back!!

If you are on OW or ODSP or have damaged credit, here are some tips for you to get into a rental to make your home.

1. Do not waste your time with corporate landlords. They have policies of discrimination. If they know you are on social assistance they will shred your application and not reply. It is corporate policy! I acted as a landlord and called a building and spoke with a property manager who said their policy is not written down, yet every manager knows the corporate Minto policy is: NO OW, NO ODSP, NO GOVERNMENT ASSISTANCE.

2. To avoid wasting time and money, it is best to find a “mom and pop” landlord. You won’t find them on most of the paid rental websites because they want to save costs. You can look here at Kijiji where ads are free. Or if you have a friend with a car, drive around and you will see some “For Rent” signs on lawns. Third idea is to go to local places like Price Chopper, Freshco, Metro, No Frill and look at their free bulletin boards. “Mom and Pop” landlords will put free ads there.

3. Mom and Pop landlords don’t check credit because they don’t like to pay $50 to check. Unlike the corporate landlords who all sign up to credit check services and have a policy of checking everyone. So if you have damaged credit this is your best bet.

4. Never say you are on “welfare” when you meet the landlords. This is an instant redflag for them. Say “Ontario Works” or “ODSP.” Many mom and pop landlords don’t know the terminology.

5. If the mom and pop landlords question you about Ontario Works or ODSP make sure you tell them it is “government assistance” and that means the rent money will come directly from the government to the landlord. The landlord likes the sound of this security.

6. To seal the deal, most Mom and Pop landlords rely on a former landlord reference. This is impossible if you are coming from a shelter or had problems with your last Misunderstood landlord. It’s a good idea to get friend with a cell phone to act as your last landlord. It may be a bit dishonest, but finding a home is about survival and having a safe home is more important than a little fib. Make sure you write down some details for your friend. For example, an address, an amount of rent, and the date you moved in. Also make sure your friend says some things the Mom and Pop landlords love to hear like

“She was very clean and quiet.”
“The rent came directly from the government.”
“I’m sad to see him go.”

7. Remember, even you pay a deposit it doesn’t mean you can get the place. You need the key and need to put some of your stuff in the property. That means legally it is your place and you finally get a few Tenant rights.

8. When you move some stuff in, take some pictures for proof you have possession.

9. If you have pet, do not tell the landlord. As soon as you move in, you can bring in your pet and you cannot be evicted for this.

10. When you are a tenant make sure you read the Landlord and Tenant Board website because you finally have some rights. The important thing is to get in the rental and get a Home.

Is the Ontario system fair?  Look into it.  Contact your local MPP.  Just realize: you have been targeted!