(d)Reserved(e)Election of consumer to be excluded from lists(1)In generalA consumer may elect to have the consumer’s name and address excluded from any list provided by a consumer reporting agency under subsection (c)(1)(B) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph (2) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.(2)Manner of notificationA consumer shall notify a consumer reporting agency under paragraph (1)—(A)through the notification system maintained by the agency under paragraph (5); or(B)by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.(3)Response of agency after notification through systemUpon receipt of notification of the election of a consumer under paragraph (1) through the notification system maintained by the agency under paragraph (5), a consumer reporting agency shall—(A)inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph (2)(B); and(B)provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph (5), in the case of a request made at the time the consumer provides notification through the system.(4)Effectiveness of electionAn election of a consumer under paragraph (1)—(A)shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph (2);(B)shall be effective with respect to a consumer reporting agency—(i)subject to subparagraph (C), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph (2)(A); or(ii)until the consumer notifies the agency under subparagraph (C), in the case of an election for which a consumer notifies the agency in accordance with paragraph (2)(B);(C)shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph (5), that the election is no longer effective; and(D)shall be effective with respect to each affiliate of the agency.(5)Notification system(A)In generalEach consumer reporting agency that, under subsection (c)(1)(B), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall—(i)establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumer’s election to have the consumer’s name and address excluded from any such list of names and addresses provided by the agency for such a transaction; and(ii)publish by not later than 365 days after September 30, 1996, and not less than annually thereafter, in a publication of general circulation in the area served by the agency—(I)a notification that information in consumer files maintained by the agency may be used in connection with such transactions; and(II)the address and toll-free telephone number for consumers to use to notify the agency of the consumer’s election under clause (i).

Just to throw this out there- if anyone does use Lending Club - BiggerPockets has an affiliate relationship with them, so it helps BiggerPockets to go through our link but doesn't cost you any more.

I believe she is (or was) entitled to use the units as she has been.....Now if they're changing the rules in the middle of the game, well they are the Govt and they can do what they can get away with...until they get sued.She's not correct, just maybe a bit too ticked-off to focus on comprehending the changes and how it applies.

I am independent agent, and am not affiliated with any of the companies referenced above...but I can tell you they all have solid reputations and do good work.

Not affiliated with BP but many BP members attend, including what I refer to as the BP Trifecta .  

Find an experienced broker to affiliate with to learn the ropes.  

I know its a little difficult to comprehend  however the average credit score in MS n AL is 600.. so in rental dominated areas fico is not the main driver for deciding who to rent to.. 

It is a full chart of accounts for real estate investors, and detailed instructions for every imaginable type of entry.http://www.realestatetaxlaw.com/Moderator, I have no affiliation, just like the product.John is a CPA, tax attorney, and real estate investor.

It's not complicated math to comprehend market saturation.

The company I work with is affiliated with a developer.