The term does not include --(A) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor;(B) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts;(C) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties;(D) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt;(E) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors; and(F) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity (i) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement; (ii) concerns a debt which was originated by such person; (iii) concerns a debt which was not in default at the time it was obtained by such person; or (iv) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.(7) The term "location information" means a consumer's place of abode and his telephone number at such place, or his place of employment.(8) The term "State" means any State, territory, or possession of the United States, the District of Columbia, the Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.15 USC 1692b

@Lulli DebrosseThis is just my opinion, so take it with a grain of salt, since I don't have the full scope of the data sets you'll be looking into, but I'm also employing automation/AI/Machine learning to locate fire damaged properties, nationwide, so I'm speaking from the point of having looked at crunching data on a large scale. 

(underwriter will probably want to see six months of bank statement records showing receipt of rents)- B) Builders Employee Purchase - the 85% LTV restriction is removed or may be exceeded if an employee of a builder, who is not a family emmber, purchases one of the builders new houses or models as a principal residence- C)corporate transfer - when companies buy a house and sell it to any employee who has been renting from the employer's property - D) (applicable to you) Tenant Purchase - 85% LTV restriction may be exceeded if the current tenant purchases the property where the tenant has rented the property for atleast six months immediately predating the sales contract.

We "screen" by obtaining their Rent up front, and gather ALL their info, copies of Driver's license, employment, emails, etc.  

If you have 401k with the current employer most likely they will not allow you to transfer it out until you are either no longer employed there or reach retirement age.3.

One question one of my past employers asked me was this...Are you fair or consistent?  

And what mechanism might be employed to discover my crime?

What is a better choice a regular employer 401k or a roth 401k.Looking to build funds and in a couple of years take loans against the 401k to buy real estate.

I also have an in-house application that I use to verify information that smartmove isn't going to do, like call employers for salary/employment verification, but the smartmove credit/background check takes the entire thing out of you having to worry about it - and the tenant pays the fee directly, so you don't have to deal with it.

Ask what their credit is like (people with bad credit will know they have bad credit), employment, income, landlord reference, etc.