Application Package - Follow these six easy steps:

  1. Application Package - Follow These Six Easy Steps:

    1. Fill Out the Universal Application: Oz Realty Rental Application This application works for most rentals. Please edit the PDF file online or print out the application, fill it out by hand, then scan and email it to me as a PDF file. You can save the PDF file and email it to dave@Oz-Realty.com. Anyone living in the home who is 21 or over must fill out their own application.
    2. Send a Photo of the Driver's License: Each applicant must send a photo of their driver's license.
    3. Include Your Most Recent Two Pay-Stubs: Each employed applicant should include their most recent pay-stub. If you are self-employed, please explain your business and income in the cover letter mentioned below.
    4. Provide a Current Credit Report: Most people have access to their own credit report now with a credit score. I need a full credit report with a score saved as a PDF and emailed with your application. If you don’t have access to your credit report, Credit Karma offers free access if you sign up. Instructions are at the end of this document for your convenience.
    5. Write a Cover Letter: Explain to the owner why you would make a great tenant. This is your opportunity to make an impact. I suggest including a family photo, some background on your lives and jobs, why you like the rental, and if you have pets, assure the owner that your pet will not cause trouble or damage to the house. Lastly, if you have any income or credit issues, explain them in your letter.
    6. Email All Documents: Send all documents to dave@Oz-Realty.com or fax them to 650-475-7098.

    Note: Everyone should create a cover letter, especially if you have pets, credit issues, income concerns, or will not get a good reference from your prior landlord. Address in your letter what caused the problem and why it should not be a concern to your next landlord. Call me if you're not sure what to say in your letter.

    If you have any questions, don’t hesitate to call or email me. I'm looking forward to working with you.

    Dave Osbaldeston at Oz Realty

    Steps to Sign Up for a Free Credit Report on Credit Karma:

    1. Visit the Credit Karma Website or App: Go to Credit Karma using a web browser on your computer or mobile device. Alternatively, download the Credit Karma app from the App Store (iOS) or Google Play Store (Android) and open it.
    2. Click “Sign Up for Free”: On the homepage, locate and click the “Sign up for free” button. If using the app, tap the option to create a new account.
    3. Provide Your Email and Create a Password: Enter a valid email address and create a secure password. Agree to Credit Karma’s terms of service and privacy policy by checking the appropriate box, then click “Next.”
    4. Enter Personal Information: Provide your full name, date of birth, address, and the last four digits of your Social Security Number. This information is required to verify your identity and match you with your credit reports from TransUnion and Equifax. Credit Karma uses 128-bit encryption to protect your data. Click “Next” to proceed.
    5. Verify Your Identity: Credit Karma may ask you to answer a series of questions about your credit history, such as previous addresses or accounts, to confirm your identity. Answer these accurately to complete the verification process. If you have a credit freeze with Equifax or TransUnion, you’ll need to temporarily unfreeze it to sign up.
    6. Complete Registration: After verifying your identity, you’ll receive a confirmation that your account has been created. You’ll be directed to your personalized financial dashboard, where you can view your free credit scores and reports from TransUnion and Equifax. No credit card is required, and the service is free.

    Steps to Access Your Credit Report with Score and Print to a PDF File:

    1. Log In to Your Credit Karma Account: Go to Credit Karma or open the Credit Karma app. Enter your email and password to log in. Note: Printing to PDF is typically done via the website on a desktop browser, as the app does not support direct PDF export.
    2. View Your Credit Scores: On your dashboard, you’ll see your VantageScore 3.0 credit scores from TransUnion and Equifax at the top. These scores are updated regularly and checking them does not affect your credit (soft inquiry). Click on either score to access your Credit Health Report.
    3. Access Your Full Credit Report: In the Credit Health Report, scroll down and click “View Full Credit Report” or “View Credit Reports” under the TransUnion or Equifax section, depending on which report you want. This displays detailed information, including your credit accounts, payment history, inquiries, and public records.
    4. Prepare to Print to PDF: Ensure you’re using a desktop browser (e.g., Google Chrome, Safari, or Firefox) on a computer, as PDF export functionality is limited to desktop browsers. You’ll also need a PDF reader like Adobe Acrobat Reader (free to download) to view and print the file.
    5. Download or Print the Report as a PDF:
      • Option 1: Download PDF Directly (if available): On the full credit report page, look for a “Download PDF” button in the top-right corner (availability may vary). Click it to download the report as a PDF file. Open the file in Adobe Acrobat Reader, then go to “File” > “Print.” Select your printer, adjust settings (e.g., page orientation), and click “Print” to generate a physical copy, or choose “Save as PDF” to save it digitally.
      • Option 2: Save as PDF via Browser: If no “Download PDF” button is available, click “Print Report” or use your browser’s print function (Ctrl + P on Windows, Command + P on Mac). In the print dialog, select “Save as PDF” or “Microsoft Print to PDF” as the printer. Choose a destination folder, name the file, and click “Save” to create the PDF. Open the PDF in Adobe Acrobat Reader and print it if needed by selecting “File” > “Print.”
    1. Review and Save the PDF: After saving the PDF, open it to ensure all details (e.g., accounts, payment history, and score) are included. Store the file securely, as it contains sensitive personal information. You can repeat the process for both TransUnion and Equifax reports if you need both.

    Additional Notes:

    • Credit Scores: Credit Karma provides VantageScore 3.0 scores, not FICO scores, which are calculated differently but still offer a reliable gauge of your credit health.
    • Frequency: Your credit reports and scores on Credit Karma update regularly (often weekly), and you can check them anytime without impacting your credit.
    • Browser Compatibility: For PDF export, use Google Chrome or Safari on a desktop, as some features may not work in other browsers or on mobile devices.
    • Security: Credit Karma encrypts data transmission and storage to protect your information. Review their privacy policy for details on data usage.
    • Alternative: If you can’t download a PDF from Credit Karma, you can request a free statutory credit report directly from TransUnion or Equifax, though this may not include scores and requires mailing or online submission.

    If you encounter issues (e.g., no PDF option or login problems), contact Credit Karma’s customer support via their website or check their help center at help.creditkarma.com. For further details on pricing or premium features (not required for free reports), visit Credit Karma

    I hope this helps! If you need any further edits or have additional instructions, please let me know. 😊