Hear No Credit Report, See No Credit Report

[Bridgette I.]

I'm a landlord for the first time.  I just paid for my first tenant/credit/background history check and I was disappointed to find out that I can't see the credit check.  I can only receive a pass or fail for the prospective tenant.  

"The credit check is an industry standard decision rating based on the applicant's credit score and public records. Due to FCRA regulations you will not receive the credit report or the FICO score. You will ONLY receive a Pass or Fail decision based on the criteria you select below."

In the articles I have read about tenant screening it says to make sure to check the addresses on the credit against the addresses on the prospective tenant's application.  How can I do this if I am not able to see the credit information?

Clearly, I must be doing something wrong.  Can anyone help?

[Jennifer Bennett]

Lol! Love your title! I have found that if I want to see the actual credit report, I would have to get a physical inspection of my office to determine everything is properly stored/secured etc. My screening company doesn't allow me to see the report, but they run it through my filters (no foreclosures, past dues over 60 days, or whatever criteria you choose) and they give me a 0-100 score as well as previous addresses shown on report & landlord contacts for addresses reported. It also checks criminal and eviction status & gives me the info on the evictions so I can confirm whether it is my applicant or not (they aren't filed by ssn here, & lots of john smiths ;) ).  Did your screening company give you any other info besides pass/fail?