LANDLORD APPLICATION
(for TransUnion Short Report)

Complete the form noted below and submit (no cost)


IMPORTANT: Please follow these directions for easy sign up:
• Complete all fields accurately and fully. Full name. (Special characters not allowed in the fields except @ in email address).
• To verify your identity you must correctly answer 4 questions that relate to your Experian Credit Report.
Landlord's personal information
 
 
Only sent to Experian Credit Bureau for validation

Your personal current address (for authentication purposes only)
 
Start typing your address here
(i.e: 98230)

Rental Property Address (for which you will fax/email proof of ownership)
(i.e: 98230)

Company information



Company Address
Start typing your address here
(i.e: 98230)


Please verify that the above information is accurate
 
Terms and Conditions

Between: Your Name is deemed to go here (Herein after called "The Member") And TVS Tenant Verification Service Inc. (Herein after called "The Company")

  1. The Company agrees to:
    • maintain a database of information obtained from its members and other sources
    • furnish such information ("Consumer Report") and services as requested by The Member for stated fees and as permitted by law.
    • provide such other services from time to time as may be deemed by The Company to be beneficial to The Member.
  2. The Member agrees to use Consumer Reports only in connection with its legitimate business and for a purpose authorized by the Federal Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. (FCRA) such as for entering or renewal of tenancy or lease agreements.
  3. The Member further agrees to allow access by a qualified person to inspect the business premises, whether home office or commercial office, to ensure that it meets the criteria.
  4. The Member agrees to request Consumer Reports only for The Member's exclusive and one time use, and to hold the contents of a Consumer Report in strict confidence and to not disclose the contents of a Consumer Report to any other person. The Member further agrees that he/she will not access consumer credit data on themselves, family, relatives or friends and will not obtain consumer credit data for any other individual or company. Member hereby acknowledges that hard copies of Consumer Reports are to be shredded or destroyed, rendered unreadable when no longer required.
  5. To refer any consumer seeking to question or challenge the content of a Consumer Report relating to him or her to The Company.
  6. The Member certifies that he/she is not a bail bond company, credit repair company (including credit counseling and credit clinics), investigative company (including private investigators and detective agencies), attorney or paralegal firm, news agency or journalist, law enforcement personnel, dating service, asset location service, has never been involved in credit fraud or other unethical business practices, is not listed on any credit reporting agency notification, and that the business operation for which this application is being made is one of renting real property (houses, apartments or commercial buildings) which The Member does not occupy.
  7. The Member hereby acknowledges that The Company cannot guarantee the accuracy of any Consumer Report and accepts all information "AS IS". Member acknowledges and agrees that The Company obtains its data from third-party sources, which may or may not be completely thorough and accurate, and The Member shall not rely on The Company for the accuracy or completeness of information supplied through The Company's services.
  8. The Member acknowledges that where a question of identity arises regarding same name on a report, the Member must conduct further due diligence to determine if there is an exact match. Member further acknowledges that there are many same named Individuals and may not necessarily be the named subject on the rental application.
  9. The Member is hereby advised that there is an Operating Guide available to assist with the due diligence on same name issue after login at http://www.tenantverification.com/ and hereby acknowledges that same will be reviewed in its entirety.
  10. In no way shall The Company, its directors or employees be liable in any manner whatsoever for any loss or injury to The Member resulting from the obtaining or furnishing of a Consumer Report. The Member agrees to save and hold The Company, its directors and employees harmless and indemnify them from any claims, losses, damages or costs arising from the publication or disclosure of an Report from The Company to The Member.
  11. The Member agrees that it shall obtain written authorization from the prospective tenant before requesting a Consumer Report from The Company. If requested by the consumer, The Member will provide the consumer with the name, address and telephone number of The Company.
  12. The Member agrees to hold Trans Union provided data in strict confidence and not to resell Trans Union provided data or share Trans Union provided data in whole or in part with any unauthorized person.
  13. The Member agrees that he/she will take every precaution to protect the end-user information (user name and password) and acknowledges liability and responsibility for same.
  14. All terms, conditions, warranties or transactions under this agreement are subject to the Fair Credit Reporting Act and any provision of this agreement not in compliance therewith shall be deemed to be amended so as to comply.
  15. The Member understands and agrees that in order to ensure compliance with the Graham Leach Bliley Act (15 U.S.C. 6801 et seq.), and the Driver's Privacy Protection Act (19 U.S.C. 2721 et seq.), other similar state or federal laws, regulations or rules, regulatory agency requirements, the terms and conditions of the Agreement and The Company's obligations under it contracts with its data providers, The Company may conduct periodic reviews of The Member's use of The Company's Services and may upon reasonable notice audit The Member's records, processes and procedures related to The Member's use, storage and disposal of The Company's services and information received there from. The Member agrees to cooperate fully with any and all audits. Violations discovered in any review and/or audit by The Company will be subject to immediate action including, but not limited to, suspension or termination of the use of The Company's services, legal action, and/or referral to federal or state regulatory agencies.
  16. This agreement shall continue in effect from year to year unless terminated by breach or cancelled by either party.
  17. Member hereby agrees to all of the terms in the FCRA (Fair Credit Reporting Act) and certifies that he/she has a permissible purpose for obtaining Consumer Reports as defined by Section 604 of the Federal Fair Credit Reporting Act (15 USC 1681b) as amended by the Consumer Credit Reporting Act of 1996, hereinafter called "FCRA".
  18. The Member will maintain copies of all written authorizations for a minimum of five (5) years from the date of inquiry even if The Member did not rent to an applicant. This includes written authorizations for all applicants where Trans Union provided data was received.
  19. The Member agrees to report any change in location, ownership or control of The Member to The Company. Upon receipt of said notification, The Company will re-qualify The Member as an end user of Trans Union provided data. This will include a new physical site inspection if The Member changes location or ownership.
  20. The Member consents to The Company verifying The Member's business bank accounts with a financial institution and credit accounts with a financial institution or business vendor.
  21. If Member's Company is a Sole Proprietorship or Partnership, The Member consents to The Company obtaining its personal consumer credit report for verification purposes as per TransUnion policy. If The Member does not consent to The Company obtaining its personal consumer credit report, then access to TransUnion data will be denied.
  22. The Member acknowledges that it is a criminal offence to obtain consumer credit information from The Company by fraudulent means and is hereby notified that The Company will report all fraudulent applications for membership to the appropriate police jurisdiction for criminal action. The Member is hereby notified that as part of its due diligence, The Company will verify and confirm this application and your status and permissible purpose as a landlord, property manager, real estate agent, retail sales business or a legitimate business.

Adverse Action Notice

The member hereby acknowledges that an Adverse Action Notice must be completed and given to an applicant who has been rejected for reasons that relate to a consumer report.

Member further acknowledges that the "Fico Score" or the Score from the consumer credit report cannot be used as a reason to reject a tenancy application or an Adverse Action.

FCRA Requirements

Federal Fair Credit Reporting Act (as amended by the Consumer Credit Reporting Reform Act of 1996)

Although the FCRA primarily regulates the operations of consumer credit reporting agencies, it also affects you as a user of information.

We suggest that you and your employees become familiar with the following sections in particular:

  • 604. Permissible Purposes of Reports
  • 607. Compliance Procedures
  • 615. Requirement on users of consumer reports
  • 616. Civil liability for willful noncompliance
  • 617. Civil liability for negligent noncompliance
  • 619. Obtaining information under false pretenses
  • 621. Administrative Enforcement
  • 623. Responsibilities of Furnishers of Information to Consumer Reporting Agencies
  • 628. Disposal of Records

Each of these sections is of direct consequence to users who obtain reports on consumers.

As directed by the law, credit reports may be issued only if they are to be used for extending credit, review or collection of an account, employment purposes, underwriting insurance or in connection with some other legitimate business transaction such as in investment, partnership, etc. It is imperative that you identify each request for a report to be used for employment purposes when such report is ordered. Additional state laws may also impact your usage of reports for employment purposes.

We strongly endorse the letter and spirit of the Federal Fair Credit Reporting Act. We believe that this law and similar state laws recognize and preserve the delicate balance between the rights of the consumer and the legitimate needs of commerce.

In addition to the Federal Fair Credit Reporting Act, other federal and state laws addressing such topics as computer crime and unauthorized access to protected databases have also been enacted. As a prospective user of consumer reports, we expect that you and your staff will comply with all relevant federal statutes and the statutes and regulations of the states in which you operate.

We support consumer reporting legislation that will assure fair and equitable treatment for all consumers and users of credit information.

Security Requirements

We must work together to protect the privacy and information of consumers. The following information and security measures are designed to reduce unauthorized access to consumer information. It is your responsibility to implement these controls. If you do not understand these requirements or need assistance, it is your responsibility to employ an outside service provider to assist you. The information provided herewith provides minimum baselines for information security.

Implement Strong Security Access Control Measures

  1. Do not provide your credit reporting agency Subscriber Codes or passwords to anyone. No one from "The Company" will ever contact you and request your Subscriber Code number or password.
  2. Protect credit reporting agency Subscriber Code(s) and password(s) so that only key personnel know this sensitive information. Unauthorized personnel should not have knowledge of your Subscriber Code(s) and password(s).
  3. Create a separate, unique user ID for each user to enable individual authentication and accountability for access to the credit reporting agency's infrastructure. Each user of the system access software must also have a unique logon password.
  4. Keep user passwords Confidential.
  5. Develop strong passwords that are:
    • Not easily guessable (i.e. your name or company name, repeating numbers and letters or consecutive numbers and letters)
    • Contain a minimum of seven (7) alpha/numeric characters for standard user accounts
  6. Implement password protected screensavers with a maximum fifteen (15) minute timeout to protect unattended workstations.
  7. Active logins to credit information systems must be configured with a 30 minute inactive session, timeout.
  8. Restrict the number of key personnel who have access to credit information.
  9. Ensure that personnel who are authorized access to credit information have a business need to access such information and understand these requirements to access such information are only for the permissible purposes listed in the Permissible Purpose Information section of your membership application.
  10. Ensure that you and your employees do not access your own credit reports or those reports of any family member(s) or friend(s) unless it is in connection with a credit transaction or for another permissible purpose.
  11. Implement a process to terminate access rights immediately for users who access credit reporting agency credit information when those users are terminated or when they have a change in their job tasks and no longer require access to that credit information.
  12. After normal business hours, turn off and lock all devices or systems used to obtain credit information.
  13. Implement physical security controls to prevent unauthorized entry to your facility and access to systems used to obtain credit information.

Record Retention: The Federal Equal Opportunities Act states that a creditor must preserve all written or recorded information connected with an application for 25 months. In keeping with the ECOA, the credit reporting agency requires that you retain the credit application and, if applicable, a purchase agreement for a period of not less than 25 months. When conducting an investigation, particularly following a breach or a consumer complaint that your company impermissibly accessed their credit report, the credit reporting agency will contact you and will request a copy of the original application signed by the consumer or, if applicable, a copy of the sales contract.

"Under Section 621 (a) (2) (A) of the FCRA, any person that violates any of the provisions of the FCRA may be liable for a civil penalty of not more than $2,500 per violation."

CREDIT RISK SCORE SERVICES

  1. Based on an agreement with Trans Union LLC ("Trans Union") and Fair Isaac Corporation ("Fair Isaac") ("Reseller Agreement"), Reseller has access to a unique and proprietary statistical credit scoring service jointly offered by Trans Union and Fair Isaac which evaluates certain information in the credit reports of individual consumers from Trans Union's data base ("Classic") and provides a score which rank orders consumers with respect to the relative likelihood that United States consumers will repay their existing or future credit obligations satisfactorily over the twenty four (24) month period following scoring (the "Classic Score").
  2. Subscriber, from time to time, may desire to obtain Classic Scores from Trans Union via an on-line mode in connection with consumer credit reports.
  3. Subscriber has previously represented and now, again represents that it is a landlord, property manager or real estate agent acting as a property manager and has a permissible purpose for obtaining consumer reports, as defined by Section 604 of the Federal Fair Credit Reporting Act (15 USC 1681b) including, without limitation, all amendments thereto ("FCRA").
  4. Subscriber certifies that it will request Classic Scores pursuant to procedures prescribed by Reseller from time to time only for the permissible purpose certified above, and will use the Classic Scores obtained for no other purpose.
  5. Subscriber will maintain copies of all written authorizations for a minimum of five (5) years from the date of inquiry.
  6. Subscriber agrees that it shall use each Classic Score only for a one-time use and only in accordance with its permissible purpose under the FCRA.
  7. With just cause, such as delinquency or violation of the terms of this contract or a legal requirement, Reseller may, upon its election, discontinue serving the Subscriber and cancel this Agreement, in whole or in part (e.g., the services provided under this Addendum only) immediately.
  8. Subscriber recognizes that factors other than the Classic Score may be considered in making a credit decision. Such other factors include, but are not limited to, the credit report, the individual account history, and economic factors.
  9. Trans Union and Fair Isaac shall be deemed third party beneficiaries under this Addendum.
  10. Up to five score reason codes, or if applicable, exclusion reasons, are provided to Subscriber with Classic Scores. These score reason codes are designed to indicate the reasons why the individual did not have a higher Classic 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"). However, the Classic Score itself is proprietary to Fair Isaac, may not be used as the reason for adverse action under Reg. B and, accordingly, shall not be disclosed to credit applicants or any other third party, except: (1) to credit applicants in connection with approval/disapproval decisions in the context of bona fide credit extension transactions when accompanied with its corresponding score reason codes; or (2) as clearly required by law. Subscriber will not publicly disseminate any results of the validations or other reports derived from the Classic Scores without Fair Isaac and Trans Union's prior written consent
  11. In the event Subscriber intends to provide Classic Scores to any agent, Subscriber may do so provided, however, that Subscriber first enters into a written agreement with such agent that is consistent with Subscriber's obligations under this Agreement. Moreover, such agreement between Subscriber and such agent shall contain the following obligations and acknowledgments of the agent: (1) Such agent shall utilize the Classic Scores for the sole benefit of Subscriber and shall not utilize the Classic Scores for any other purpose including for such agent's own purposes or benefit; (2) That the Classic Score is proprietary to Fair Isaac and, accordingly, shall not be disclosed to the credit applicant or any third party without Trans Union and Fair Isaac's prior written consent except (a) to credit applicants in connection with approval/disapproval decisions in the context of bona fide credit extension transactions when accompanied with its corresponding score reason codes; or (b) as clearly required by law; (3) Such Agent shall not use the Classic Scores for model development, model validation, model benchmarking, reverse engineering, or model calibration; (4) Such agent shall not resell the Classic Scores; and (5) Such agent shall not use the Classic Scores to create or maintain a database for itself or otherwise.
  12. Subscriber acknowledges that the Classic Scores provided under this Agreement which utilize an individual's consumer credit information will result in an inquiry being added to the consumer's credit file
  13. Subscriber shall be responsible for compliance with all applicable federal or state legislation, regulations and judicial actions, as now or as may become effective including, but not limited to, the FCRA, the ECOA, and Reg. B, to which it is subject.
  14. The information including, without limitation, the consumer credit data, used in providing Classic Scores under this Agreement were obtained from sources considered to be reliable. However, due to the possibilities of errors inherent in the procurement and compilation of data involving a large number of individuals, neither the accuracy nor completeness of such information is guaranteed. Moreover, in no event shall Trans Union, Fair Isaac, nor their officers, employees, affiliated companies or bureaus, independent contractors or agents be liable to Subscriber for any claim, injury or damage suffered directly or indirectly by Subscriber as a result of the inaccuracy or incompleteness of such information used in providing Classic Scores under this Agreement and/or as a result of Subscriber's use of Classic Scores and/or any other information or serviced provided under this Agreement.
    • Fair Isaac, the developer of Classic, warrants that the scoring algorithms as delivered to Trans Union and used in the computation of the Classic Score ("Models") are empirically derived from Trans Union's credit data and are a demonstrably and statistically sound method of rank-ordering candidate records with respect to the relative likelihood that United States consumers will repay their existing or future credit obligations satisfactorily over the twenty four (24) month period following scoring when applied to the population for which they were developed, and that no scoring algorithm used by Classic uses a "prohibited basis" as that term is defined in the Equal Credit Opportunity Act (ECOA) and Regulation B promulgated thereunder. Classic provides a statistical evaluation of certain information in Trans Union's files on a particular individual, and the Classic Score indicates the relative likelihood that the consumer will repay their existing or future credit obligations satisfactorily over the twenty four (24) month period following scoring relative to other individuals in Trans Union's database. The 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.
    • THE WARRANTIES SET FORTH IN SECTION 15.1 ARE THE SOLE WARRANTIES MADE UNDER THIS ADDENDUM CONCERNING THE CLASSIC SCORES AND ANY OTHER DOCUMENTATION OR OTHER DELIVERABLES AND SERVICES PROVIDED UNDER THIS AGREEMENT; AND NEITHER FAIR ISAAC NOR TRANS UNION MAKE ANY OTHER REPRESENTATIONS OR WARRANTIES CONCERNING THE PRODUCTS AND SERVICES TO BE PROVIDED UNDER THIS AGREEMENT OTHER THAN AS SET FORTH IN THIS ADDENDUM. THE WARRANTIES AND REMEDIES SET FORTH IN SECTION 15.1 ARE IN LIEU OF ALL OTHERS, WHETHER WRITTEN OR ORAL, EXPRESS OR IMPLIED (INCLUDING, WITHOUT LIMITATION, WARRANTIES THAT MIGHT BE IMPLIED FROM A COURSE OF PERFORMANCE OR DEALING OR TRADE USAGE). THERE ARE NO IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
  15. IN NO EVENT SHALL ANY PARTY BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL, OR PUNITIVE DAMAGES INCURRED BY THE OTHER PARTIES AND ARISING OUT OF THE PERFORMANCE OF THIS AGREEMENT, INCLUDING BUT NOT LIMITED TO LOSS OF GOOD WILL AND LOST PROFITS OR REVENUE, WHETHER OR NOT SUCH LOSS OR DAMAGE IS BASED IN CONTRACT, WARRANTY, TORT, NEGLIGENCE, STRICT LIABILITY, INDEMNITY, OR OTHERWISE, EVEN IF A PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.
  16. THE FOREGOING NOTWITHSTANDING, WITH RESPECT TO SUBSCRIBER, IN NO EVENT SHALL THE AFORESTATED LIMITATIONS OF LIABILITY, SET FORTH ABOVE IN SECTION 16, APPLY TO DAMAGES INCURRED BY TRANS UNION AND/OR FAIR ISAAC AS A RESULT OF: (A) GOVERNMENTAL, REGULATORY OR JUDICIAL ACTION(S) PERTAINING TO VIOLATIONS OF THE FCRA AND/OR OTHER LAWS, REGULATIONS AND/OR JUDICIAL ACTIONS TO THE EXTENT SUCH DAMAGES RESULT FROM SUBSCRIBER'S BREACH, DIRECTLY OR THROUGH SUBSCRIBER'S AGENT(S), OF ITS OBLIGATIONS UNDER THIS AGREEMENT.
  17. ADDITIONALLY, NEITHER TRANS UNION NOR FAIR ISAAC SHALL BE LIABLE FOR ANY AND ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH THIS ADDENDUM BROUGHT MORE THAN ONE (1) YEAR AFTER THE CAUSE OF ACTION HAS ACCRUED. IN NO EVENT SHALL TRANS uNION'S AND FAIR ISAAC'S AGGREGATE TOTAL LIABILITY, IF ANY, UNDER THIS AGREEMENT, EXCEED THE AGGREGATE AMOUNT PAID, UNDER THIS ADDENDUM, BY SUBSCRIBER DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING ANY SUCH CLAIM, OR TEN THOUSAND DOLLARS ($10,000.00), WHICHEVER AMOUNT IS LESS.
  18. This Addendum may be terminated automatically and without notice: (1) in the event of a breach of the provisions of this Addendum by Subscriber; (2) in the event the agreement(s) related to Classic between Trans Union, Fair Isaac and Reseller are terminated or expire; (3) in the event the requirements of any law, regulation or judicial action are not met, (4) as a result of changes in laws, regulations or regulatory or judicial action, that the requirements of any law, regulation or judicial action will not be met; and/or (5) the use of the Classic Service is the subject of litigation or threatened litigation by any governmental entity.

Acknowledgment

I certify that I have read and understand the above agreements and will take all reasonable measures to enforce them within my facility. I certify that I will use the TransUnion product information for no other purpose other than what is stated above. I will not resell the report to any third party. I understand that if my system is used improperly by myself or company personnel, or if my access codes are made available to any unauthorized personnel due to carelessness on the part of myself or any employee of my company, I may be held responsible for financial losses, fees, or monetary charges that may be incurred and that my access privilege may be terminated.

Continuing with the registration process constitutes The Member's consent to conduct a binding electronic transaction with The Company and further consents to receiving notices and related services electronically. Clicking on I Certify below constitutes The Member's electronic signature and is legally effective and will be used by The Company as if it is a written signature.

The complete agreement can be printed and reviewed HERE