Eviction found in report question

[Larry T.]

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

[Steve Babiak]

I tell them exactly why. If they have an issue, it won't be with me - it would be with the party that filed that eviction.

I recently rejected one applicant due to information obtained from the previous landlord, and wrote that in the rejection letter. This tenant had not been evicted, they just failed to abide by the lease they had with that landlord (according to that landlord).