Why credit reports are useless when screening tenants

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usabackground
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Why credit reports are useless when screening tenants

Post by usabackground » Sun Dec 23, 2018 4:22 pm

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.

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