Description of reports:

Credit Reports.

The credit report shows the paying habits of prospective residents. Credit bureaus receive data from banks, leading institutions, and other credit grantors, which indicate the amount of indebtedness and the record of payments. Credit reports will also include items of public record, such as bankruptcies, judgments, and tax liens. Our distributor has nationwide access to credit reports.

Specially Designated Nationals Search (SDN).

The SDN search is a search of the Treasury Department’s Office of Foreign Asset Control (OFAC) database. This file tracks known and/or suspected terrorists, international narcotics traffickers, and their representatives. You are prohibited from renting to an individual who is a positive match for a person on this list. Failure to comply carries substantial penalties including $50,000 to $10 million in fines and/or up to 30-years imprisonment. Note: If you have a match for someone on the SDN list, you must make a reasonable effort to determine if the applicant is actually that person.

Social Security Search.

The social security search is the ultimate tool to use when verifying the applicant’s information. This search is used on an as-required basis when there is doubt as to the validity of the applicant’s social security number. Additional address information not reported by the applicant also may be revealed.

Eviction Records Search.

While a prospective resident may have impeccable credit, they may not have a perfect rental history. If a prospective resident has been evicted or had problems paying rent within the past five years, this information will show up a judgment was entered in the landlord’s favor. Civil searches include those states of residence listed on the rental application and credit report.

Criminal Database Search.

A national criminal database search that will tell you which jurisdictions were searched. If there is a name and date of birth match of a conviction, within the last seven (7) years, then the offense, date of offense, case number, county/court and disposition will appear.

Employment Verification.

The following elements of an applicant’s employment may be verified: employer name, time of employment, contact information, applicant’s position at the company, salary (when available), and payment frequency. If the applicant was employed for less than one year, the previous employer(s) will be included as necessary.

Rental Verification.

Rental verifications include addresses listed on the application, plus additional rental housing addresses listed on the credit report as necessary (using the national reverse directory).