Applying for an apartment or home is hard enough without background check errors making things even more difficult. Unfortunately, if your landlord orders a residential background report from SafeRent, you could encounter one or more report errors that can compromise your opportunities.
That said, you do have ways to fight back, using the dispute process and knowledgeable attorneys like Fair Credit. Read on to learn more.
SafeRent Solutions is a subsidiary company of CoreLogic National Background Data, LLC: one of the biggest background check companies in the nation. In a nutshell, CoreLogic provides background check information to landlords, investors, renters, lenders, banks, and many other institutions.
SafeRent Solutions is a specialized service provider that offers background screens for landlords, homeowners, and related professionals. It includes a wide variety of information in its residential history reports, including:
All of this information can be used by landlords when they are deciding whether to extend a tenancy to a prospective tenant. Say that you decide to apply for an apartment in your area. If the apartment landlord uses SafeRent Solutions, they’ll get background information via this service.
Unfortunately, SafeRent Solutions' background history reports are not always 100% accurate. From time to time, they can produce major errors that can compromise housing opportunities, potentially disqualifying you from apartments, homes, and other housing solutions.
SafeRent Solutions report errors include any mistaken, out-of-date, or erroneous information you notice on your background check report. You'll receive a background check report if you are denied housing on the basis of your background information (this document will be called an adverse action letter). Potential report errors include:
These errors can make your renter or apartment application seem erroneous, falsified, or otherwise negative.
SafeRent Solutions report errors can occur for lots of reasons. For instance, maybe a computer glitch transposed one number in your Social Security number into another, resulting in a case of mistaken identity.
Alternatively, one of SafeRent Solutions’ agents or workers may have been lazy or not double-checked enough information, resulting in a major issue for you during your house hunt. Regardless, it’s up to you to dispute SafeRent Solutions report errors as soon as you notice them.
SafeRent Solutions report errors can harm you by disqualifying you from rental, employment, and lending opportunities long time to come. Even a single error can make an application filed by you seem fraudulent.
Put yourself in the shoes of a landlord. You receive an apartment application from a potential tenant that looks great at first glance. However, you send the information to SafeRent Solutions, and the report returns with information about criminal convictions that were not on the apartment application.
From the landlord’s perspective, it seems that the apartment applicant lied. But the apartment applicant knows that the information is inaccurate! Regardless, the apartment applicant is now in danger of not qualifying for the housing opportunity.
Furthermore, SafeRent Solutions report errors can follow you around for a long time and even show up on other applications or situations. For example, if you apply for a loan to purchase a house, the same background or criminal history report errors might appear again. This can make it difficult for you to get a loan or line of credit, get a job, and much more.
Bottom line: SafeRent Solutions report errors are never minor. They’re always big deals, so it’s important to know how to spot them and what to do or how to dispute them if you notice them.
Luckily, the Fair Credit Reporting Act or FCRA outlines major consumer rights and actions you can take to protect your background information's accuracy. Let’s take a closer look.
First, be sure to contact knowledgeable, specialized background report error attorneys like Fair Credit.
It’s a good idea to work with a specialized, boutique law firm rather than a more generalized law agency. Why? Legal experts who are well-versed in this area of the law will be able to provide you with more dedicated, targeted assistance and legal counsel. They’ll know all the laws that apply to your case and be able to provide you with specific advice to ensure that you achieve an optimal resolution.
Next, look through the SafeRent Solutions report you received thoroughly and carefully with your attorneys at your side. Your attorneys may be able to spot other inaccurate information or flaws in the report that you can then include in your dispute letter. Remember, if you notice one error, the odds are higher that there are other errors lurking in the report.
Now it’s time to get down to business by filing a dispute with SafeRent Solutions. SafeRent Solutions allows you to file a dispute online or using physical mail. The former option is usually best because it means that SafeRent Solutions will receive your dispute information sooner rather than later.
In your dispute letter, be sure to include all the relevant details and evidence of the inaccurate information. For instance, if you believe that SafeRent Solutions’ report has inaccurate information, like a record of an eviction that never happened, you need to point that out and explain the situation.
Include a request that SafeRent Solutions fix the inaccurate info at the earliest possible opportunity. Then, wait for up to 30 days – that’s how long SafeRent Solutions has to investigate your dispute and fix erroneous information according to the FCRA.
In all likelihood, SafeRent Solutions will investigate the erroneous information and fix it as soon as it notices it. But if SafeRent Solutions refuses to start an investigation or fix erroneous information, remember that your rights are being violated, and you could have grounds for a lawsuit.
Legal action like arbitration or a lawsuit is best carried out with the assistance of attorneys like Fair Credit. If your lawsuit is successful, you could recover thousands of dollars in damages, plus get another chance at the housing opportunity you were disqualified for because of the error(s).
Fair Credit is your best chance to fix SafeRent Solutions report errors, bar none.
That’s because our attorneys are extensively experienced and know exactly what to look for on your SafeRent Solutions residential history report. If you aren't sure what exactly the problem is with the report, but you do know that there's no reason you should have been denied housing, contact us and let us take a look at it. We may be able to spot something that you missed.
Furthermore, we can ensure that your dispute letter is sent promptly, accurately, and correctly. The 30-day timeline above is true, but it can be stalled or halted if SafeRent Solutions requests additional information about the dispute. For instance, if you don’t include enough information to allow SafeRent Solutions to locate the erroneous information, you could delay an optimal outcome.
On top of that, Fair Credit can represent you in court if you decide to sue SafeRent Solutions or CoreLogic. Going to court can be stressful for anyone, even if you have some experience. But our attorneys can coach you on what to say and how to say it, as well as negotiate on your behalf with any other interested parties.
Don’t worry about affording our services, either. We won’t charge you a penny upfront. Instead, we operate on a contingency fee basis.
In a nutshell, if we recover money for you through our legal efforts, we will take a small percentage of that money as compensation. But if we don’t recover money for you through a lawsuit or other legal action, you don’t have to pay us a penny. That’s because we don’t believe you should have to pay in order to exercise your consumer rights under the FCRA.
With Fair Credit, you can get the legal assistance and representation you need without breaking the bank or going into debt. So there’s no reason not to contact us right away if you’ve noticed one or more SafeRent Solutions report errors.
If you think your background report has been compromised by SafeRent Solutions report errors, you should contact Fair Credit today. Our knowledgeable, experienced attorneys can help you find a rapid resolution and ensure that you qualify for the best housing opportunities in your area.