I put an application in with these people and was denied without a cosigner. I had a veteran buddy be my cosigner, he passed the credit, passed the eviction, passed the background check. Still was denied and why you ask? Because he owns his own home. They said his rental history couldn't be established, meanwhile he also gave two previous landlord names and numbers. In the contract you sign it days you won't say any disparaging comments or remarks so I have to be very careful not to put any feeling and solely trueth. I'm allowed to give advice that is true and isn't criminating to them. So I hope this information helps if you own your own home you will be denied do to rental history being established, if you need a cosigner again it doesn't matter about no evictions showing up on record because you still have no way of showing rental. Also I would suggest looking into BBB.org before doing anything with any company. They grade companies and have it free for the public to see. For those who don't understand what disparaging means (personally I thought it meant false reports) it means belittling, making little to nothing of. However you can tell what your experience with them without any personal feelings. Like I explain that I was denied and why. Obviously this isn't disparaging because it's exactly what they told me why my cosigner was denied! Thank you and have a great day.