@Chris Asaro You would need to look at the state-specific laws.

If not required by law do any of you do thIs?

Thanks That's incorrect, based off my general understanding of landlord tenant laws. usually, local laws stipulate that occupancy for more than several weeks, personal items in residence, and/or receiving mail at the residence establish tenancy.

The advice above is fairly general regarding New Jersey law. 

As you know, rental agreements need to comply with the landlord-tenant law for the jurisdiction where the property is located.

Turning off credit card payments is unfortunately no protection from a tenant who chooses to lie and steal or make payments with funds that aren’t theirs.Second, Cozy doesn't do anything specifically to "allow" a dispute – in fact, all financial transactions across industries are subject to the same fraud and dispute laws – so it's not unique to Cozy.

It should be against the law to drop credit rating for an inquiry to see what someone can do for you payment wise  IF you got the loan.

It depends on the jurisdiction and applicable landlord-tenant law. 

Be sure you're abiding by the laws of the jurisdiction in which you will be working.

Technically by federal law the lender has to give you a full pay off amount, as you are a successor in interest.