RESIDENT SELECTION CRITERIA
A Summary of Your Rights Under the Fair Credit Reporting Act
The Federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information in the files of every “consumer reporting agency” (CRA). Most CRAs are credit bureaus that gather and sell information about you-such as if you pay your bills on time or have filed bankruptcy-to creditors, employers, landlords, and other businesses. You can find the complete text of the FCRA 15 S.S.C. 1681-1681u, at the Consumer Financial Protection Bureau’s (CFPB) website at www.consumerfinance.gov/learnmore . The FCRA gives you specific rights, as outlined below. You may have additional rights under state law. You may contact a state or local consumer protection agency or a state attorney general to learn those rights.
You must be told if information in your file has been used against you. Anyone who uses information from a CRA to take action against you-such as denying an application for credit, insurance, or employment-must tell you, and give you the name, address, and phone number of the CRA that provided the consumer report.
You can find out what is in your file. At your request, a CRA must give you the information in your file, and a list of everyone who has requested it recently. There is no charge for the report if a person has taken action against you because of information supplied by the CRA, if you request the report within 60 days of receiving notice of the action. You also are entitled to one free report every twelve months upon request if you certify that (1) you are unemployed and plan to seek employment within 60 days, (2) you are on welfare, or (3) your report is inaccurate due to fraud. Otherwise, a CRA may charge you up to eight dollars. You can also request a free copy of your report at www.annualcreditreport.com .
You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. (The source also must advise nations CRAs-to which it has provided the date-of any error). The CRA must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the CRA’s investigation does not resolve the dispute, you may add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report to be notified of the change.
Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless is it outdated (as described below) or cannot be verified. If your dispute results in any change to your report, the CRA cannot reinsert into your file a disputed item unless the information source verifies its accuracy and completeness. In addition, the CRA must give you a written notice telling you it has reinserted the item. The notice includes the name, address and phone number of the information source.
You can dispute inaccurate items with the source of the information. If you tell anyone-such as a creditor who reports to a CRA -that you dispute an item, they may not then report the information to a CRA without including a notice of your dispute. In addition, once you’ve notified the source of the error in writing, it may not continue to report the information if it is, in fact, an error.
Outdated information may not be reported. In most cases, a CRA may not report negative information that is more than seven years old/ten years for bankruptcies.
Access to your file is limited. A CRA may provide information about you only to people with a need recognized by the FCRA-usually to consider an application with a creditor, insurer, employer, landlord, or other business.
Your consent is required for reports that are provided to employers, or reports that contain medical information. A CRA may not give out information about you to your employer, or prospective employer, without your written consent. A CRA may not report medical information about you to creditors, insurers, or employers without your permission.
You may choose to exclude your name from CRA lists for unsolicited credit and insurance offers. Creditors and insurers may use file information as the basis for sending you unsolicited offers of credit or insurance. Such offers must include a toll-free number for you to call if you want your name and address removed from future lists. If you call, you must be kept off the lists for two years. If you request, complete, and return the CRA form provided for this purpose, you must be taken off the lists indefinitely.
You may seek damages from violators. If a CRA, a user or (in some cases) a provider of CRA data, violated the FCRA, you may sue them in state or federal court.
Notice to Applicants for Tenancy
Resident Acceptance Policies/Criteria and Consumer Reports
Does Landlord/Property Management Company accept Portable Tenant Screening Report? NO
In compliance with Washington State’s Fair Tenant Screening Act of 2012, and the Fair Credit Reporting Act (FCRA), this is to inform you that an investigation involving the statements made on your rental application for tenancy will be initiated. You authorize the Landlord/Manager to obtain credit reports, court records (civil, criminal, arrest), character reports, employment, bank and rental references as needed to verify all information and names put forth on the rental application.
The company(s) below may be requested to provide information about your history and takes no part in making the decision to accept or reject your rental application. They are unable to supply you with specific reasons why the decision was made. You have a right under the Fair Credit Reporting Act to know the information contained in your credit/consumer file at the consumer-reporting agency. You have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency.
- Credit Information: TransUnion LLC, Consumer Disclosure Center, PO Box 1000, Chester, PA 19022. Phone: 800-888-4213
- Nationwide Criminal/Sex Offenders/Evictions: TransUnion Vantage Date Solutions, 5889 S. Greenwood Plaza Blvd, #201, Greenwood Village, CO 80111. Phone: 800-568-5665
PLEASE READ BEFORE APPLYING. YOU MAY BE DECLINED BASED ON THE FOLLOWING CRITERIA:
- Omit or report false information on the rental application
- Unverifiable social security number
- Past due mortgage
- Unverifiable rental history. Unfulfilled lease obligation(s)
- Eviction pending
- 3 or more late payments, NSF checks or lease violation complaints within a 12 month period
- Unauthorized pets or occupants
- Damage to unit or property
- Charged with a felony of illegal manufacture or distribution of a controlled substance within the last 7 years, felonies resulting in bodily harm or intentional damage or destruction of property for example, “arson”, within the last 7 years. (defined under RCW 9.41.010)
- Current illegal or controlled substance abuser
- Registered sex offender
- Unverifiable or insufficient income or too much debt
- Unverifiable employment or employment for less than 12 months with current employer
- High debt to income ratio (generally 35%-Income should exceed 3 times rent)
- Unpaid utility bills or collections totaling $300.00 or more (excluding medical)
- Insufficient or adverse rental history. Eviction or unlawful detainer in the last three years
- Currently in bankruptcy or a recent bankruptcy in the last three years
- No smoking on premises (inside or outside unit)
- You, and each adult, must apply separately and be approved separately and pay separate application fees
- Number of occupants (It’s against Washington State law to discriminate based on family status. Nothing in HUD or our guidelines should be interpreted to invalidate this)
You are encourage to apply; however, you are not required to if you feel you may be declined based on the above criteria. A non-refundable fee (specified on application) will be assessed to process the application. Fees go towards reporting agency reports, long distance phone charges; time spent calling past and present landlords, employers and other references. Prospective residents will be notified as soon as possible regarding their application approval or denial. Questions regarding the application process can be addressed to manager or agent for the property. Applications are processed one at a time in the order that they are received. Thank you for your time and consideration.