Adverse action notices

[Brandy Carter]

I have just posted my first rental and am accepting applications. I would like help clarifying when it’s necessary to send an adverse action notice or not. If it pertains to something on a credit check this notice needs to be sent? Would I send via email or to an address listed? What if the denial is for something unrelated like income or pets etc? Will this notice need to be sent or some other type? Also I am using cozy to do all this. Will this have a prompt of some sort that I can send out or will I need to send this notice if need be outside of the cozy platform? Thank you!

[Nathan Gesner]

@Brandy Carter you're getting bad advice. You should never attempt to build your business on lies or breaking the law.  Is that how you would want to be treated? I believe treating people with respect, honesty, and within the confines of the law is a better way to build a business.

An Adverse Action Letter is required any time an individual is rejected for information found on the credit report. If it is based on something else, like a bad Landlord reference, then you do not have to provide an Adverse Action Letter but you should notify them they've been denied.