At Landstruck, one of the questions we often get is:
“Why don’t you do credit checks?”
The answer is simple — we believe your past doesn’t always tell the full story of your future. We’ve found that credit scores can be an incomplete (and sometimes misleading) way to judge a person’s reliability. Life happens — medical bills, unexpected hardships, and other events can drag down a credit score even for people who are otherwise responsible and hardworking.
Instead of focusing on numbers alone, we focus on the bigger picture. Over the years, we’ve seen that 95% of our customers make their payments on time, regardless of what their credit report might say. We believe that everyone deserves a fair chance at land ownership without unnecessary roadblocks.
Building Your Credit While Buying Land
If you’re working to build or rebuild your credit, we’re happy to support you!
Although we don’t report directly to the major credit bureaus, you can use a third-party credit reporting service to track your loan payments. If you sign up with one of these agencies, we’re glad to verify your payment history for you. Making consistent, on-time payments with us can be a real, tangible step toward strengthening your financial future.
We Do Process Background Checks
While we don’t run traditional credit checks, we do complete background checks to ensure the safety and security of all families involved. This helps us verify identity and make sure we’re working with individuals who are serious about their purchase. It’s a balance between being careful and being fair.
In Short: We’re Here to Help
Our goal is to make land ownership accessible — without making you jump through unnecessary hoops. We believe in real people, not just numbers on a credit report. Whether you’re purchasing your first piece of land or investing in your future, we’re excited to help you take the next step.
Have questions about our process? We’re happy to walk you through it!
Explore our website and if you have any questions let us know — we’d love to hear from you.
