Plan #1: CREDIT REPORT ONLY. Receive a complete credit report. (from Transunion or Equifax) with FICO credit score included. $30/per applicant
Plan #2:CREDIT REPORT AND CRIMINAL SCREENING. In addition to a credit report, you'll receive our criminal background screening report. $40/per applicant
Plan #3: FULL SERVICE. In addition to a credit report and criminal background screening, we verify employment, obtain rental history, search for eviction history and unlawful detainer. $50/per applicant
OWNER, LANDLORD OR PROPERTY MANAGERS INFORMATION
Documents to be collected to become a member:
A: Proof of ownership document. Either property tax document OR copy of title OR property insurance document.
If you are unable to attach it please send it to this email: info@ablescreening.com
B: Copy of two rental applications or leases from existing or past tenants. The applicant agrees to comply with all the provisions of Public Law 91508 and the Fair Credit Reporting Act.
(The FRCA provides that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 of the united states code or imprisoned not more 1 than two years or both).
End User has a permissible purpose for obtaining consumer reports in accordance with the Fair Credit Reporting Act (15 U.S.C. §1681 et seq.) including, without limitation, all amendments thereto ("FCRA"). The End User certifies its permissible purpose as: – In connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of the consumer; or – In connection with the underwriting of insurance involving the consumer or review of existing policy holders for insurance underwriting purposes, or in connection with an insurance claim where written permission of the consumer has been obtained; or – In accordance with the written instructions of the consumer who is the subject of the Consumer Report. End User certifies that each such written authorization will expressly authorize End User to obtain the Consumer Report. Nothing in this certification, or elsewhere in this Agreement, is intended to allow End User to purchase the Consumer Report for the purpose of selling or giving the report, or information contained in or derived from it, to the subject of the report, unless required by law, or to any other third party, and End User expressly agrees to refrain from such conduct; or – NOTE: Verbal authorization of the consumers are permitted as long as such comply with the requirements of the Electronic Signatures in Global and National Commerce Act (E-Sign Act) – In connection with End User’s legitimate business need for information in connection with a business transaction that is initiated by the consumer, including, but not limited to, tenant screening; or – As a potential investor, servicer or current insurer, in connection with a valuation of, or assessment of, the credit or prepayment risks associated with an existing credit obligation; or – In connection with End User’s legitimate business need for the information to review an account to determine whether the consumer continues to meet the terms of the account; or – Available for use by Government Agencies only: In connection with a determination of the consumer’s eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant’s financial responsibility or status. End User certifies that End User shall use the Consumer Reports: (a) solely for the permissible purpose(s) certified by End User and for no other purpose; and (b) solely for End User’s exclusive one-time use. End User shall not request, obtain or use Consumer Reports for any other purpose, including, but not limited to, for the purpose of selling, leasing, renting or otherwise providing information obtained under this Agreement to any other party, whether alone, in conjunction with End User’s own data, or otherwise in any service which is derived from the consumer reports. The Consumer Reports shall be requested by, and disclosed by End User only to End User’s designated and authorized employees having a need to know and only to the extent necessary to enable End User to use the Consumer Reports in accordance with this Agreement. End User shall ensure that such designated and authorized employees shall not attempt to obtain any Consumer Reports on themselves, associates, or any other person except in the exercise of their official duties. End User agrees to retain copies of all written authorizations for a minimum of five (5) years from the date of inquiry, and make such written authorizations available to Reseller upon request. THE FCRA PROVIDES THAT ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18 OF THE UNITED STATES CODE OR IMPRISONED NOT MORE THAN TWO YEARS, OR BOTH.
End User shall use each Consumer Report only for a one-time use and shall hold the report in strict confidence, and not disclose it to any third parties; provided, however, that End User may, but is not required to, disclose the report to the subject of the report only in connection with an adverse action based on the report, or as otherwise clearly required by law. Moreover, unless otherwise explicitly authorized in an agreement between Reseller and its End User for scores obtained from TransUnion, or as explicitly otherwise authorized in advance and in writing by TransUnion through Reseller, End User shall not disclose to consumers or any third party, any or all such scores provided under such agreement, unless clearly required by law. With just cause, such as violation of the terms of the End User’s contract or a legal requirement, or a material change in existing legal requirements that adversely affects the End User’s agreement, Reseller may, upon its election, discontinue serving the End User and cancel the agreement immediately.
----End User may request TransUnion Scores, which shall include the VantageScore (collectively “TransUnion Scores” or “Scores”) in connection with the delivery of a consumer report obtained hereunder. TransUnion agrees to perform such processing as reasonably practicable. End User shall use Scores provided in connection with the delivery of a consumer report only in accordance with its permissible purpose under the FCRA certified at the time of its request for such Scores. End User will request Scores only for End User’s exclusive, one-time use. End User may store Scores solely for End User’s own use in furtherance of End User’s original purpose for obtaining the Scores. Adverse Action Factors. End User recognizes that factors other than the Score may be considered in making a decision as to a consumer. Such other factors include, but are not limited to, the consumer report, the individual account history, application information, and economic factors. Score reason codes may be provided to the End User, which are designed to indicate the principal factors that contributed to the Score, and may be disclosed to consumers as the reasons for taking adverse action, as required by the Equal Credit Opportunity Act ("ECOA") and its implementing Regulation (“Reg. B”). The TransUnion Score itself, when accompanied by the corresponding reason codes, may also be disclosed to the consumer who is the subject of the TransUnion Score. However, the TransUnion Score itself may not be used as the reason for adverse action under Reg. B. End User shall not use any Scores for model development or model calibration and shall not reverse engineer any Scores. TransUnion Scores are proprietary to TransUnion and shall not be disclosed to any other third party without TransUnion’s prior written consent, except as expressly permitted herein or where clearly required by law. All Scores provided hereunder will be held in strict confidence and may never be sold, licensed, copied, reused, or reproduced, and may never be disclosed, revealed or made accessible, in whole or in part, to any Person, except (i) to those employees of End User with a need to know and in the course of their employment; (ii) to those agents and contractors of End User who have a need to know in connection with End User’s use of the Scores as permitted hereunder and who have executed a written agreement that limits the use of the Scores by the third party only to the use permitted to End User and contains the prohibitions set forth herein regarding model development, model calibration, reverse engineering and confidentiality; (iii) when accompanied by the corresponding reason codes, to the consumer who is the subject of the Score, when in connection with an adverse action notice; (iv) to government regulatory agencies; or (v) as required by law. For the purpose of this Section, “Person” shall mean an individual, a partnership, a corporation, a limited liability company, a trust, a joint venture, an unincorporated organization and any Government Authority. For the purpose of this Section, “Government Authority” means any national, provincial, state, municipal, local or foreign government, ministry, department, commission, board, bureau, agency, authority, instrumentality, unit, or taxing authority thereof. Scores without Score Factors or Adverse Action Codes. Scores without score factors or adverse action codes may be made available to End User in conjunction with End User’s request for Consumer Reports. End User hereby represents and warrants that when End User requests Scores without score factors or adverse action codes, End User shall not use such Scores, nor any information derived therefrom: (i) to take any adverse action as to any individual consumer; or, (ii) except for prioritization of collection of a credit account, in connection with the collection of an account, when such use is consistent with the permissible purpose certified by End User to obtain such Score(s). TransUnion Score Performance. Certain TransUnion Scores are implemented with standard minimum exclusion criteria. TransUnion shall not be liable to End User for any claim, injury, or damage suffered directly or indirectly by End User as a result of any End User requested changes to the exclusion criteria which result in normally excluded records being scored by such TransUnion Scores. TransUnion warrants that the scoring algorithms used in the computation of the scoring services provided under this Agreement (“Models”), are empirically derived from credit data and are a demonstrably and statistically sound method of rank-ordering candidate records with respect to the purpose of the TransUnion Scores when applied to the population for which they were developed, and that no scoring algorithm used by a TransUnion Score uses a “prohibited basis” as defined in ECOA and Reg. B promulgated thereunder. The TransUnion Score may appear on a credit report for convenience only, but is not a part of the credit report nor does it add to the information in the report on which it is based.
By signing below, I agree to all of the terms listed above to sign up for Able Screening LLC.
