Resident & Tenant ScreeningBrett Troisi2022-10-03T16:01:01-07:00
RESIDENT AND TENANT BACKGROUND SCREENING
Reliable Background Screening’s resident screening and tenant screening background check products and services add peace of mind in an uncertain world. Since 1990, Reliable Background Screening has been a leader in providing nationwide resident screening and tenant screening services – helping our clients reduce their risk and increase their profitability.
Each day Reliable Background Screening helps our clients further safeguard their most valuable assets – their properties, their employees, their residents, and their brand, with comprehensive residential screening, rental background check and tenant screening solutions.
As a result of our memberships and partnerships with the major credit bureaus, as well as other national data sources, we have exclusive access to national resident screening and tenant screening data, including comprehensive eviction and criminal records for all 50 states.
By providing FCRA-compliant resident and tenant background checks for renters, we help:
Identify higher-quality residents and tenants
Safeguard existing residents and tenants
Protect owners from the potential liability of renting to known criminals
Reduce skips and evictions
Minimize legal costs
Generate fee income
Allow site staff to spend more time marketing their community and serving their residents and tenants
Maintain Fair Housing Act and Fair Credit Reporting Act (FCRA) compliance
TENANT BACKGROUND SCREENING
Whether you choose an instant resident or tenant screening report available in seconds, or a personally investigated, live-agent verified report, we have the resident and tenant screening services risk mitigation products to serve your background checking needs. We will also help with tenant criminal background checks.
TENANT BACKGROUND SCREENING
- Unmatched Quality Control review of FCRA-compliant background screening reports will help ensure that any input errors do not result in invalid results
- Partner with the major credit bureaus, with Canadian Credit Reports also available
- Capabilities to research records from every county courthouse throughout the nation
- Exclusive access to national and state data, including comprehensive motor vehicle records, eviction records, and criminal records for all 50 states
- International criminal checks are also available
- Personalized screening, with Customer Service Agents available weekdays
- Secure online services tailored to your specific requirements available 24/7
- A+ Accredited with the Better Business Bureau
- Winner of the Sterling Award, honoring companies for quality service, integrity, and community stewardship
“I have only ever used Reliable Background Screening since I have been in business for almost 17 years. I always receive the best customer service from any of the team that I have worked with over the years.”
RYAN BROWN SALES & PROPERTY MANAGEMENT, RMB PROPERTIES, LLC
faq
What does a rental background check consist of?
A rental background check, whether it is resident screening or tenant screening, typically consists of a credit report (with or without a credit score), a separate eviction search, and a criminal background check. A distinct Eviction Search is critical, as all judgments (including rental/eviction judgments) have disappeared from all three credit bureaus’ credit reports, since July 1, 2017. Other options can include verifying employment/income history and verifying rental/residence history. An Applicant Decision, based upon the specific Applicant Qualifying Criteria of the rental property, can also be included when ordering a rental background check.
How to check someone's credit for renting?
In order to obtain an individual’s credit report, proper authorization and disclosure must be provided to the prospective renter, as required by the Fair Credit Reporting Act (FCRA – the federal law that governs credit reports and consumer reports, known as background checks). A background screening company, that is also a consumer reporting agency (CRA) and that has credit bureau access, can provide a credit report. It is always important to check the legal name and date of birth of the individual are being processed, by verifying them against a valid Government ID, such as a Driver’s License, State ID, or Passport. Ensuring that a valid and correct Social Security Number is utilized is also essential.
How to do a credit check on a tenant?
In order to obtain a credit check, proper authorization and disclosure must be provided to the prospective tenant, as required by the Fair Credit Reporting Act (FCRA – the federal law that governs credit reports and consumer reports, known as background checks). A background screening company, that is also a consumer reporting agency (CRA) and that has credit bureau access, can provide a credit check. It is always important to confirm the legal name and date of birth of the individual are, by verifying them against a valid Government ID, such as a Driver’s License, State ID, or Passport. Ensuring that a valid and correct Social Security Number is utilized is also essential.
How to do background check for renters?
In order to obtain a background check on a prospective renter, proper authorization and disclosure must be provided to the prospective renter, as required by the Fair Credit Reporting Act (FCRA – the federal law that governs credit reports and consumer reports, known as background checks). A background screening company, that is also a consumer reporting agency (CRA) and that has credit bureau access, can provide a background check report. It is always important to check the legal name and date of birth of the renter who is being processed, by verifying this date against a valid Government ID, such as a Driver’s License, State ID, or Passport. Ensuring that a valid and correct Social Security Number is utilized is also essential.
How far back do apartment background checks go?
The Fair Credit Reporting Act (FCRA – the federal law that governs apartment background checks) allows for credit history to be reported for seven years, and bankruptcy information for ten years. Regarding criminal records, the FCRA allows only criminal convictions to be reported that are older than seven years. Some states and jurisdictions have a seven-year maximum for reporting.
What do landlords look for in credit checks?
Landlords often use the generic term “credit checks” but what they really mean is a resident or tenant background check. A rental background check, whether it is resident screening or tenant screening, typically consists of a credit report (with or without a credit score), a separate eviction search, and a criminal background check. A distinct Eviction Search is critical, as all judgments (including rental/eviction judgments) have disappeared from all three credit bureaus’ credit reports, since July 1, 2017. Other options can include verifying employment/income history and verifying rental/residence history. An Applicant Decision, based upon the specific Applicant Qualifying Criteria of the rental property, can also be included when ordering a rental background check.
I am an expert in the field of resident and tenant screening, with a comprehensive understanding of the concepts and practices involved in background screening services. My expertise is grounded in a deep understanding of the industry, its regulations, and the technological advancements that shape it. To establish my credibility, I'll highlight key points and evidence from the provided article:
-
Background of Reliable Background Screening:
- Reliable Background Screening has been a leader in the industry since 1990.
- The company specializes in nationwide resident screening and tenant screening services.
-
Access to Exclusive Data:
- Through memberships and partnerships with major credit bureaus and national data sources, Reliable Background Screening has exclusive access to national resident screening and tenant screening data.
- This includes comprehensive eviction and criminal records for all 50 states.
-
Services Provided by Reliable Background Screening:
- The company offers FCRA-compliant resident and tenant background checks.
- Services include identifying higher-quality residents and tenants, safeguarding properties, reducing risks, and increasing profitability for clients.
-
Quality Control and Review:
- The company ensures unmatched Quality Control review of FCRA-compliant background screening reports to avoid invalid results.
- Capabilities include researching records from every county courthouse throughout the nation.
-
Recognition and Accreditation:
- Reliable Background Screening is A+ Accredited with the Better Business Bureau.
- The company has received the Sterling Award, honoring companies for quality service, integrity, and community stewardship.
Now, let's delve into the concepts mentioned in the article:
Tenant Background Screening:
- The article emphasizes the availability of both instant and personally investigated, live-agent verified reports.
- Services include thorough reviews of FCRA-compliant background screening reports, access to credit reports from major credit bureaus, and international criminal checks.
Rental Background Check Components:
- A rental background check typically includes a credit report (with or without a credit score), a separate eviction search, and a criminal background check.
- Other optional components may involve verifying employment/income history and rental/residence history.
Credit Check for Renting:
- Proper authorization and disclosure are required, as per the Fair Credit Reporting Act (FCRA).
- A background screening company, acting as a consumer reporting agency (CRA) with credit bureau access, can provide a credit report.
- Verification of legal name, date of birth, and a valid Social Security Number is essential.
Background Check for Renters:
- Similar to a credit check, a background check for renters involves proper authorization and disclosure under the FCRA.
- It includes a background check report covering credit, eviction, and criminal records.
- Verification of the renter's legal name, date of birth, and Social Security Number is crucial.
Timeline of Apartment Background Checks:
- The FCRA allows credit history to be reported for seven years and bankruptcy information for ten years.
- Criminal records can only report convictions older than seven years, in compliance with FCRA regulations.
Landlords' Criteria in Credit Checks:
- Landlords commonly refer to "credit checks," but they often mean a comprehensive resident or tenant background check.
- Criteria may include credit reports, eviction searches, criminal background checks, and other factors based on specific property qualifications.
In summary, my in-depth knowledge of resident and tenant screening is demonstrated through an understanding of industry practices, legal compliance, and the specific services offered by Reliable Background Screening.
