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Updated almost 14 years ago,

User Stats

67
Posts
9
Votes
Larry T.
9
Votes |
67
Posts

Eviction found in report question

Larry T.
Posted

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

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