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:
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. Regardless, we always operate within Federal Law as outlined in The Fair Credit Reporting Act.
Experian National Consumer Assistance Center
P.O. Box 949
Allen, TX 75013-0949
Phone: (800) 392-1122
Equifax Credit Information Services
P.O. Box 105873
Atlanta, GA 30348
Phone: (800) 685-1111
TransUnion Corporation National Disclosure Center
P.O. Box 390
Springfield, PA 19064
Phone: (800) 851-2674