Author Archives: bobcain

Three Ways They Can Steal Your Credit Card Information

Posted on August 9, 2017 by bobcain

By Robert L. Cain, written for Zip Reports Employee and Tenant Screening Service.  Visit their website. They are out to get you.  Well, maybe not you personally, just your credit card information. If they get you, that’s only because something … Continue reading →

Posted in Uncategorized | Leave a comment

A Lie, the Truth, or a Dream?

Posted on July 10, 2017 by bobcain

By Robert L. Cain, written for Zip Reports.  Visit their website. A clerk at Home Depot offered us a Home Depot credit card.  We told her that we have credit cards we never even use so don’t need another one.  … Continue reading →

Posted in Uncategorized | Leave a comment

Screening in Both Tough and Good Times

Posted on June 9, 2017 by bobcain

By Robert L. Cain.  Written for Zip Reports.  Visit their website. With the unemployment rate hovering around “no qualified employees” available, it is becoming more and more of a challenge to pick and choose the person who can do the … Continue reading →

Posted in Uncategorized | Leave a comment

Two Issues: Beware of Reduced Student Loan Payments; and How to Ensure Judgments Appear on Credit Reports

Posted on May 17, 2017 by bobcain

By Robert L. Cain, written for Zip Reports, visit their website. Reduced Student Loan Payment Concern Here’s something to watch out for on credit reports: student loan payments.  About 43 million people have student loan debt, with industry estimates at … Continue reading →

Posted in Uncategorized | Leave a comment

Judgment and Tax Lien Information Deleted from Credit Reports. How Does that Affect Credit Decisions?

Posted on April 7, 2017 by bobcain

By Robert L. Cain, Copyright 2017. Written for Zip Reports, visit their website Tax lien and civil-judgment information may be missing from credit reports beginning July 1, 2017. The deletion comes on the heels of a deal that the three … Continue reading →

Posted in Uncategorized | Leave a comment

A Generation in Debt

Posted on March 6, 2017 by bobcain

By Robert L. Cain, Copyright 2017 Most, 54 percent, are concerned about paying their student loans. Only about 36 percent own a home, while almost one-third of them, 32 percent, owe more than their home is worth. One-quarter of those, … Continue reading →

Posted in Uncategorized | Leave a comment

Debts in Collection: How They Can Affect Hiring and Renting

Posted on February 7, 2017 by bobcain

by Robert L. Cain, Copyright 2016, Written for Zip Reports. Visit their website. Almost one-third of Americans got calls and/or letters from a collection agency in the past year about debts they hadn’t paid. Over half of those, 57 percent, … Continue reading →

Posted in Applicant Screening, Uncategorized | Leave a comment

How do you screen for nice?

Posted on January 12, 2017 by bobcain

By Robert L. Cain, Copyright 2017, Cain Publications, Inc. Originally written for Zip Reports, Visit them here. When Gary hired Jennifer to work in his print shop some 15 years ago, he of course wanted someone who could keep the … Continue reading →

Posted in Uncategorized | Leave a comment

Proprietary Credit Scoring for Your Business

Posted on January 12, 2017 by bobcain

By Robert L. Cain, Copyright 2016, Cain Publications, Inc. Originally written for Zip Reports, Visit them here. They have special credit scores, the so-called “sophisticated” lenders.  In fact, Fair Isaac (FICO) even offers industry-specific scores for mortgage lenders (FICO Mortgage), … Continue reading →

Posted in Uncategorized | Leave a comment

Chapter One: What Marketing Is, Why You Might Care, and How It Affects Renting Property

Posted on January 2, 2017 by bobcain

It’s because of marketing anyone buys anything. When a tenant rents a new home, it’s because of marketing a landlord did. Everything we do could be marketing. Why People Buy How to turn what we do to your advantage to … Continue reading →

Posted in Applicant Screening, Uncategorized | Leave a comment