Landlords and Property Managers before you rent to any applicant, be sure you at least review their credit history.

Through this website - - - checktenants.com, you may now request a copy of your applicant's scored credit report for a low cost of only $11.25 per applicant. A scored credit report is recommended because it greatly simplifies the process of analyzing the information on the credit report so you can quickly and objectively determine if an applicant is qualified to rent from you.

Included: Trans Union's How to Read Credit Report

Included: Denial Notice. This is required if you use the credit report, all or in part, to deny renting to your applicant

Here's your simple start-up procedure:

a. Complete the End-User Agreement
b. Fax to 1-800-229-2435
c. You will receive a user name and user id so you will never have to give charge card information again unless you wish to change charge cards.
d. You must fax your first rental application. Then, you may simply fill-in the simple credit report request form.

Once you have recieved your username and password, Click here to order credit reports.

If you want more than a credit report, such as verified rental history with an objective score based on rental history then click here for more information.

FAQ:

1. What are the requirements that must be followed under the Fair Credit Reporting Act? You must sign checktenants.com's End-User Agreement, which confirms that you are a landlord or property manager and that the credit report is being used in connection with screening a prospective tenant. You need to fax this to checktenants.com (1-800-229-2435) and you will be assigned a User Name and Password. You only do this once and each time that you need a credit report you simply enter your User Name and Password. Please note: you are required to fax your first rental application to us but after that you may simply order on-line.

2. How do I obtain the credit report? By email, fax, or U.S. mail. Due to the potential violations and unauthorized use, you are not able to obtain the credit report via your computer screen.

3. I am aware of other services which allow access via computer screen so why don't you? Violations of the Fair Credit Reporting Act are serious and subject you to a $5,000.00 fine and/or prison sentences. Therefore, strict control protects the rights of everyone involved, you as the landlord or property manager, checktenants.com and your prospective tenants. Every request for credit reports is reviewed to make sure that FCRA is not violated. This is why you may be requested to provide additional information. Also, you must keep your rental applications for three (3) years in case you are audited.

4. May I charge my prospective renter an application fee to cover the cost of the credit report? Yes you may. However, some states and jurisdictions limit the amount that you may charge or do not allow you to charge more than the actual cost that you pay.

5. What kind of credit report will I receive and will I be able to read it? Checktenants.com obtains credit reports through Trans Union. We have, on this website, the Trans Union how to read credit report and A Guide to Credit Reports which gives you a how to read and what to look for as a landlord or property manager. This should answer all your questions. You may contact our credit report provider, RealChek America, Inc., for a FREE first time review.

6. What if I deny an applicant because of something on their credit report? You are required by the FCRA to give a denial notice. This denial notice must contain certain language and information. This notice is, also, available on this website.

7. I understand that the credit report has a score, which is included at no additional cost. What is the purpose of the score? This is the FICO (Fair, Isaac & Company) rating system that is used to predict whether the applicant will be delinquent within 24 months. If you use the score and apply the same standard to all applicants then you will be in compliance with the Fair Housing Law.

8. What if I want more than just a credit report? There are many national tenant screening companies. We suggest that you contact RealChek America, Inc. because they are nationwide and provide numerous services from tenant screening through a licensed collection agency. Go to realchek.com or you may click on the icon on this site.

Click here to view a guide to credit reports

Click here to view the Denial Notice

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If you would like more information please email us at info@checktenants.com.