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Why credit reports are useless when screening tenants

Posted: Sun Dec 23, 2018 4:22 pm
by usabackground
Why? Because eviction judgments (forcible detainer and unlawful detainer judgments) are no longer being provided in credit reports, as they fall into the civil judgment category. As of July 1st, 2017 — Equifax, Experian, and TransUnion lawsuit settlement with various state AGs, agreed to the creation of the National Consumer Assistance Plan (NCAP). Property owners that rely on credit reports, will notice an omission of public records, specifically tax liens and civil judgments that do not contain personally identifiable information (PII). Due to civil judgments not containing social security numbers and dates of birth (PII), they are being removed from credit reports.

Our total package solution
Evictions, civil judgments, and tax liens are manually searched based on your rental applicant’s name, former names and address history regardless of whether they contain PIIs or not. Bankruptcies are searched in the federal bankruptcy court system based on their SSN and any known names. Our nationwide criminal database search is based on the name provided, aliases or former names uncovered in our Social Security Name/Aliases and Address history trace report.
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