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rightmeow

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Posts: 5
Reply with quote  #1 
I was wondering if anyone could recommend tenant checking services for credit, background check, eviction check.  I want to see a full credit report not just a proprietary rating.  I want the eviction and background checks to be national.

Thanks!
Marybeth

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Posts: 8
Reply with quote  #2 
Well, I know that there are strict credit bureau regulations regarding what a landlord has to do in order to get full credit reports when screening tenants. Personally, It's too much for me & my one rental property (for now, lol). However, I use a company called E-Renter (www.e-renter.com) for my tenant screening. They have services that allow small landlord, such as myself, to get credit checks, or larger landlords can get full credit reports (if you go through the process to meet the credit bureau regulations. I've been happy with them for my needs, so maybe their service for larger landlords might work for you? Good luck in your search & let me know what you come up with. I'm interested in knowing for future reference. 
rightmeow

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Posts: 5
Reply with quote  #3 
That does sound like some hoops!  I only have my unit and 2 others and I'm not incorporated so I guess maybe the full report is not the best option.  I will have to check out e-renter.  Thank you for the recommendation!
brightblade81

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Posts: 6
Reply with quote  #4 
What type of screening would be recommended for landlords with a small amount of rental properties?

For example, on e-renter has 3 options:
Basic Tenant Screening / Background check - checks evictions, liens, criminal records, SSN validation.

Basic Screening + Credit Check - Same as previous plus FICO score, Judgements, collections.

Premium Tenant screening - Same as previous options plus identity check, validates tenant's name and address, matches tenant's name with the SSN and rent check adviser that appears to suggest if they believe the tenant can afford the rent.
newbie9000

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Posts: 40
Reply with quote  #5 
I've only had to screen tenants once so far and I used Transunion Smartmove (https://www.mysmartmove.com/index.aspx) They gave the full credit report, but the catch is that the tenant has to put in the SSN and DOB so essentially they are requesting the report and "approving" you to see it.

The concern I had with their system is how will I know they are inputting the same SSN that they gave on my application? For this, I verified that the SSN they gave me existed (there are many websites for this), verified that the last 4 is the same on the report, verified that the name on their picture ID and report were the same, and verified that the correct employer was listed on the report. If anything wouldn't have lined up I either would have purchased a simple e-renter type report with the SSN I was given to verify a good report or denied the applicant based on inconstant report data.

I also had to call them pertaining to something that came up on the criminal check and they were very helpful and prompt at responding.

Good luck! And let us know what you go with and your experience.

-----
Also, the SSN verification websites show the year the SSN was issued. So if Jr is using Daddy's paystubs and SSN for his application you should see it on the SSN verification or if they are young but have loans from 10-20 yrs ago as shown in the report, you know somethings fishy...
brightblade81

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Posts: 6
Reply with quote  #6 
Another question, if you had a couple moving in, would you do a check on both of them or just one of them and then have both sign the lease (assuming the check was acceptable)?  How about a situation where they are not married or a mother and her adult daughter?

brightblade81

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Posts: 6
Reply with quote  #7 
Well I do have one interesting aspect about e-renter.com, although this maybe a common issue with many screening websites for non-commercial landlords.  At e-renter.com you set a range of acceptable credit scores and it tells you if they fit within your range, for example, you can set your range to 621 to 850, so if their score is in that range, it'll say it was within that range, or they failed.  Even if they can't legally release the credit score to non-commercial landlord, I think I'd prefer to know a range, such as their credit score is in the 650 to 700 range.
So based off that description on their website, I think Transunion Smartmove sounds like a better choice because they provide a credit report with all the personal data removed.
Slumlord

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Posts: 9
Reply with quote  #8 
My rental building uses AccuData Inc to do background / credit checks.  I never performed one myself but my building is known for very rigirous verification process.
zkivanova

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Posts: 5
Reply with quote  #9 
Quote:
Originally Posted by brightblade81
Another question, if you had a couple moving in, would you do a check on both of them or just one of them and then have both sign the lease (assuming the check was acceptable)?  How about a situation where they are not married or a mother and her adult daughter?




I always run criminal background on every adult who will live in my property. People never see women as criminals but you will be surprised how many have been convicted. As for the credit and eviction check I usually do it only on the head of the family or the one who will sign the documents.
Another recommendation I can give is to run the criminal check separately as it is more accurate. I started doing this after one of my apartments was raided by police because I gave it out to drug dealer who didn't have any criminal background supposedly. Later on I found out that he did 15 years in prison for robbery and drug dealing. Now I use background-intel.com and they have proven themselves as professionals with the years. No more surprises anymore!
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