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Updated almost 14 years ago,
Eviction found in report question
I will likely reject my applicant but have a question about what constitutes a "credit report" and therefore, the necessity of writing a rejection letter.
I ran an eviction check and criminal background check and found an eviction. I did not run the "credit" part and never have or will. It costs extra and I do not select that report. If all I found was an eviction, is this considered "in the credit report" ? In other words, if all I found was an eviction, am I required to send a rejection letter (FCRA requirement)?
Or, does "credit report" include any report run by the screening service/agency ? (I use E-renter)
If I only check evictions and criminal background is that a credit report that necessitates a denial letter when something is found?
Thanks in advance