It will all come down to how courts have interpreted the laws in the past.  

Even if we're not all on the same page, it's good to see the range of responses and interpretations of not just what my legal obligation is, but also moral obligation, which is why I included "morally and legally" in my original post.FYI, the gas is still out and I expect it will be back on Thur or so. 

Your interpretation of that would be the cynical interpretation, optimists and apologists will point to the giant Fannie Mae database of appraisals, a database that did not exist to be cross referenced, as is currently the case, 5 or 10 years ago.

The thing about law is that it requires a lot of interpretation, as language is tricky and definitely not unambiguous.

I have a very good understanding of my state revised statutes, where to find them, how to interpret them and apply them.

And plenty of people have been interpreting this to mean garage conversions to JADUs are allowed.

Therefore, their lease ends on January 12 and they owe you all of December and 12 days of January.I'm not sure how Oregon law interprets it, but just because the law allows them to give the 30 days notice at any time during the month doesn't necessarily mean they can move out mid-month after those 30 days are up.

So, I can't quote you the exact verbage from the FCRA or interpret its spirit or intent.That said, I would think it to mean that the information reported must be current.

Under the legal doctrine of four corners, the lease would have to be interpreted by other parts of the document, not just the first page where someone forgot to put down a dollar amount for the rental.

My suggestion is to understand how to read and interpret credit reports, because when you see a low score that might or might not be a sign of a horrible tenant.