Your FCRA Compliance Green Light

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Laws to Limit Landlord Tenant Screening

Posted by Ryan Howard on Tue, Oct 08, 2019

Employers screening potential applicants face more regulations such as Ban the Box and other "fair chance" laws to decrease discrimination in hiring. Landlords are also facing more legislation for the same reason. Within the past several months, there have been new laws for landlords and property owners looking to run background checks on their tenants. 

Read more to learn about new laws impacting landlords and tenant screening.

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Topics: Types of Background Checks, Tenant Background Screening

Cost of a Background Check: How Much Should You Pay?

Posted by Ryan Howard on Tue, Jul 02, 2019

Over the past decade, the consumer reporting and background screening industry has seen significant growth. With growth typically comes competition, and with competition usually comes aggressive pricing. The cost of a criminal background check can vary by search type and by screening company (aka Consumer Reporting Agency - CRA). This post is to provide an estimate of what employers and landlords can expect to pay when conducting employment and tenant screening.   

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Topics: Tenant Background Screening, Employment Background Screening, Cost of a Background Check

How Trustworthy is a Credit Report Background Check?

Posted by Ryan Howard on Fri, Mar 22, 2019

When an employer or landlord runs a credit check on a future tenant or employee, they expect accurate information. Consumers also want to know that the information is correct and up-to-date. Adverse information on a background check, especially a credit report, can affect employment, housing, buying a car or obtaining a loan.  It's imperative that the information be true, verified and safe.

When running a credit background check on an applicant, can you trust what you see?

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Topics: Types of Background Checks, Tenant Background Screening, Employment Background Screening, FCRA Compliance

Can a landlord run a background check without permission?

Posted by Ryan Howard on Fri, Mar 15, 2019

Keeping individual, multi-family or student rental properties safe, clean and rentable is just as important as having the rent paid on time. Landlords who have not screened their tenants may be curious about background checks, especially if rent isn't being paid or if suspicious activity arises. Property owners who are looking for highly qualified individuals may also have questions about screening future tenants. There are lots of different ways to look into the past of tenants, including a "cheap internet search" but they could cause more trouble than they're worth. As a landlord or property owner, it's best to obtain background checks legally.

So is it legal for a landlord run a background check without permission?

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Topics: Tenant Background Screening, FCRA Compliance

Timing of an Adverse Action Notice: FCRA Compliance

Posted by Ryan Howard on Fri, Sep 07, 2018

Under the Fair Credit Reporting Act (FCRA), employers, landlords and "end users of consumer reports" are required to notify applicants in writing if a decision may be made to pursue adverse action based upon the results of the report. In other words, if an applicant will be denied a job or promotion, or if they may be denied housing because the results of their background check look suspect, they need to know.  There are numerous FCRA claim filings that reveal the importance of these adverse action notices. 
 

To remain FCRA compliant, consider the following timing for sending adverse action notices.

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Topics: Tenant Background Screening, Employment Background Screening, FCRA Compliance

Compliance Guide to Background Checks Including Forms and Templates

Posted by Ryan Howard on Fri, Jun 29, 2018

Since the beginning of the VeriFirst blog, the goal has been to provide an educational resource and assistance to employers and property managers. Compliance is important to those who read here, as well as an awareness of the latest employment and housing laws across the nation. VeriFirst's FCRA certified staff works closely with our clients to help with hiring the right employee or placing the perfect tenant.

Bookmark this blog post as a go-to compliance guide with background check forms and templates for employment screening and tenant screening.

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Topics: Types of Background Checks, Tenant Background Screening, Employment Background Screening, FCRA Compliance

Is it time to Review Your Tenant Screening Criteria?

Posted by Ryan Howard on Fri, May 25, 2018

As a property owner or landlord, your goal is to find a tenant who will not only pay on time but also care for your property. VeriFirst's goal, as a background check company, is to help you find the right tenant and also encourage compliance with federal regulations such as FCRA and Fair Housing laws. To stay compliant, this means honoring consumer rights but you also need to protect your business. 

When is the last time you took the time to review your tenant screening criteria?

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Topics: Types of Background Checks, Tenant Background Screening, FCRA Compliance

How Do Background Check Companies Get Information?

Posted by Ryan Howard on Fri, Apr 27, 2018

Employers and property managers rely on background check companies to provide current and accurate information before making the decision to hire or rent. A common misconception is that there is one large database that all consumer reporting agencies rely on for their data. In fact, there are hundreds of databases, records, and other sources that still could have erroneous data on the individual being screened. For this reason alone, screening companies must verify and double-verify data and also rely on the adverse action/dispute procedures set out in the Fair Credit Reporting Act (FCRA).

With a possibility for errors, how do background check companies get their information?

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Topics: Tenant Background Screening, Employment Background Screening

What’s with all the jargon? Background Check Terms and Definitions

Posted by Ryan Howard on Fri, Feb 02, 2018

As with any industry, terminology matters. Background check jargon can be challenging but it is helpful to have a basic understanding of some terms. A professional background screening company will also guide hiring managers, property managers and non-profit organizations through the process, pointing out ways to save both time and money. Background checks prior to employment (or during), before renting to a tenant, or hiring a volunteer is important to hiring and placing quality individuals but efficiency counts too.

Manage risk, save time and money with this list of jargon, terms, and definitions behind background checks. 

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Topics: Tenant Background Screening, Employment Background Screening, FCRA Compliance

Adverse Action Notice: Common Compliance Questions

Posted by Ryan Howard on Thu, May 04, 2017

When a background check on an applicant and/or current employee or tenant yields negative results, your next move seems obvious: Grab the next application and move on! Right? Not entirely. 

When taking adverse action, following the rules is paramount.

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Topics: Tenant Background Screening, Employment Background Screening, FCRA Compliance