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Just like a credit report, you are entitled to a free copy of your TransUnion SmartMove file. The Right to Dispute Errors in an Unfair Screening Report from TransUnion SmartMove
A report cannot list civil suits, judgments, arrest records, paid tax liens, collection accounts after 7 years, or bankruptcies after 10 years.
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They are expected to regularly update their databases with the latest information on consumer histories.Īdditionally, the FCRA limits what negative information can be included in a tenant screening report. Reporting agencies like TransUnion and SmartMove are required to use the highest maximum standard of accuracy when providing consumer reports. The FCRA entitles you to the following tenants rights: The Right to an Accurate and Fair TransUnion Tenant Screening Report These reports include history on a consumer’s credit and loans, employment, housing, and criminal background. The Fair Credit Reporting Act (FCRA) was put in place to protect the accuracy and privacy of your information that the credit or consumer reporting agencies use. If you were denied housing after SmartMove by TransUnion Rental Screening Solutions provided an inaccurate report, you may be entitled to damages. You have the right to view a copy of your file and dispute any inaccuracies that are reported. If TransUnion Rental Screening Solution ran a tenant report on you, the inquiry may appear on your credit report as “TURSS” or “TRSSI.” They must also provide you with the name and contact information of the reporting agency that supplied the rental application screening. If a landlord or property management group denies your rental application because of negative information in your tenant report, they are required under the FCRA to inform you of the denial and reason why. Was Your SmartMove Tenant Screening Report Inaccurate? Were You Denied Housing? The following are examples of property management services/software that have offered tenant screening and credit reports using TransUnion: These tenant screening services sometimes use larger consumer reporting agencies like TransUnion for the credit reports and rental history.
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Some property management software companies and others that help landlords with property listings offer tenant screening as a service. TransUnion Tenant Screening Reports and Credit Reports are Used by Rental Property Management Companies If negative information is falsely reported about you, it could keep you from getting a place to live. For example, the report may contain criminal history or eviction information that does not belong to you or is not complete and up to date. Sometimes the information reported on the SmartMove report is incorrect. TURSS is owned by TransUnion, the major credit reporting agency that provides the information in the SmartMove reports. SmartMove is a product provided by TransUnion Rental Screening Solutions (TURSS) that provides background checks, credit reports, criminal history and rental history to landlords and real estate agents. SmartMove TransUnion Rental Screening Solutions, Inc.
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