When moving out of your apartment, the most common issue you might encounter is with the security or damage deposit refund. Cleaning the apartment thoroughly upon move out and taking pictures will help save you money. Sometimes landlords keep the entire deposit and charge the tenants more! Protect your money and CLEAN! CLEAN! CLEAN! & snap pictures of the condition that you’ve left the apartment in. If the landlord does not provide you with an itemized list of damages before deducting from your deposit, and/or provides you with a refund check that is less than the full amount, do not cash the check.
Have questions? Contact the Tenant Union by submitting an information request form: http://tenantunion.illinois.edu/RequestInfo.aspx.
Written by Tanisha King-Taylor, Tenant Union
What is a credit score?
A credit score is typically a three-digit number based on your financial history to analyze and determine your creditworthiness. The higher your score, the better off you are! Credit scores are used by lenders (banks, credit card companies, etc) to gage your financial responsibility based on your past financial behaviors. Credit scores are calculated from information in your credit report. Things that affect your credit score, both positively and negatively, are paying bills late or on time, the type of credit you use, how much credit you have available to you, how much you owe on your credit cards and loans, how long you’ve held outstanding credit (how long you’ve had a credit card, for example), and whether you’ve had a lot of inquiries from prospective lenders.
Under the Fair Credit Billing Act (FCBA) the most you can be held liable for when your credit card has been stolen is $50. However, if you report the loss before your card has been used (or the fraudulent charges involve your credit number and not the card itself) under the FCBA you are not liable at all and do not have to pay the card issuer any money. But if a thief uses your card before you are able to report it missing, the most you will be liable for is $50.
It is a good idea to watch your billing statements carefully in the months after your credit card goes missing. If any charges appear that you did not make, be sure to contact the card issuer immediately.