ID Information used to make sure that the information in the report is about you.
A history of where you have lived, how you performed under any leases you may have had,
and what previous landlords have reported about you as a resident.
Places where you have worked, and a verification of your income in some cases.
Whether or not you have habitually bounced checks, or have an outstanding NSF check you have not paid.
A history and current status of your credit accounts, how well you make your payments, and other details.
A list of everyone who has reviewed your credit report recently and criminal convictions in your past.
No. Our reports do not contain any information about your lifestyle, religion, national origin, political
affiliation, sexual preferences, friends or relatives, medical history or any information about your status
as a member of a protected class. All reports are processed in a fair and impartial manner using only
information that indicates your ability to perform your end of a lease.
The Fair Credit Reporting Act
or FCRA is the federal law that regulates our industry. There are also state laws that provide additional
regulations. The FCRA gives you the right to challenge the accuracy of information in your report. If you
believe that something is inaccurate, you may follow the procedure to have that information re-verified.
Any inaccurate information is promptly updated or removed.
Bankruptcies remain in a credit report for ten years, other information stays for seven years. In the case of
successfully completed Chapter 13 bankruptcies, the credit reporting industry maintains the information for only
seven years rather than the ten years allowed by law. Information on previous criminal convictions may remain on
your report permanently.
If you have been declined a rental property lease, call our declined applicants line at (800) 658-9396 and follow
the recorded instructions. If you have been denied credit from anyone else (car loan, mortgage, etc.) please call
the collection agency that handles our accounts at (800) 658-6647. We will re-verify the item in question with
the source at no cost to you. The law requires that we respond to your request within 30 days.
The Federal Trade Commission or FTC cautions consumers to be wary of
companies that make claims regarding credit repair. Anything a credit clinic can do for you, you can do for
yourself. Beware of any organization that offers to create a new identity and/or credit file for you. These actions
are illegal. Here are some warning signs that the FTC and others say consumers should look out for to determine if
they might be dealing with a credit clinic:
An organization that guarantees to remove late payments, bankruptcies, or similar information from a credit report.
An organization that charges a lot of money to repair credit.
An organization that asks the consumer to write to the credit bureau and repeatedly seek verification of
the same credit account information in the file, month after month, even though the information has been
determined to be correct.
An organization that is reluctant to give out their address or one that pushes a consumer to make a decision immediately.
An organization that wants you to pay for credit services before any services are provided.
An organization that does not tell you your legal rights and what you can do yourself for free.
An organization that recommends that you not contact a consumer reporting company directly.
An organization that suggests that you try to invent a "new" credit report by applying for an
Employer Identification Number to use instead of your Social Security number.
An organization that advises you to dispute all information in your credit report or take any action that
seems illegal, such as creating a new credit identity. If you follow illegal advice and commit fraud, you
may be subject to prosecution.
For a helpful brochure about credit clinics, you can write to the Federal Trade Commission, Sixth and
Pennsylvania Avenues, N.W., Washington, D.C. 20004 and request a brochure titled "Credit Repair: Self Help May Be
Best." The FTC also provides more information about
Credit Repair Scams
on their website.
We strive to be as accurate as possible. Our customers stand to lose business if our information is inaccurate,
and if they are not happy with the results they receive they won't be our customers for long. So, it is in our
best interest to make sure our information is accurate.
Even with all of the effort we put forth in employee training and computer power, an incorrect piece of
information will end up on a report eventually. Since we use many other sources of information (such as credit
bureaus) the inaccurate information is sometimes in the system of another agency. When these things come up,
we work with you to quickly investigate the problem and take the appropriate action.