Think about a Rental Application as information gathering from the past, the present and for the future. In other words the information you obtain on your Rental Application should allow you to properly screen your applicant’s past and present credit worthiness. But it should also contain information that you could use in the future to help find them if you ever needed to collect an unpaid debt.
new life dating site The first most vital information of course is full name, including their middle name, and any senior or junior, as well as their date of birth and social security number. Credit Reports and Social Security Number Trace Reports pull information from the Credit Bureau based upon name and social security number. They can verify the social security number of the person and can often provide up to seven years past address information.
If a Credit Report or Social Security Number Trace Report does not show any past address information take this as a sign that the person has been avoiding applying for any credit and may be trying to avoid a collection or a garnishment. If a report comes back with an unverified social security number….. BEWARE. Ask to see two forms of identification including their social security card to make certain they are not trying to use someone else’s name or social security number. Yes, people do try this, more often than you would think. Especially if their application has been denied a time or two at an apartment complex.
Beware of anyone who calls about your rental and one of their first questions to you is whether you do background checks. Chances are they are looking for someone who does not.
christian online dating south africa The second most vital information on a Rental Application is their current address and any past addresses. I encourage you to get addresses for the last 5 years. Why so much address information? Eviction records from the court system are based upon name and address only. Think about it, that’s all you list on an eviction notice. This is the only information the court has when they complete an eviction so it’s the only identifiers that end up on an Eviction Report.
The question is… Would you deny an application if you saw several evictions filed from the same address against your applicant four years ago? It indicates they could be a chronic late payer. So getting as much past address information as you can allows you to properly compare name with address on the Eviction Report against the name and address information on the SSN Trace Report and with the Rental Application. You need a good indicator of rental payment history so this is the first step in finding it.
This brings us to Landlord information.If you see a prior judgment for eviction from a few years ago, you should have the Landlord’s name and phone number to call. If the applicant says they can’t recall names or phone numbers use your County Clerk of Courts or County Auditor website to look up the Landlord information through the Property Tax Records. You can do this with any addresses that the applicant failed to list too. Don’t depend on the applicant 100% to give you correct information. It’s too easy for people to simply list a friend’s name and phone number as their Landlord. Of course you would get a fantastic reference.
Yes, screening a Rental Application is like being a good detective. You must look at all resources possible to make an informed decision about your applicant’s past rental history.
Most felons think that moving to a different state will keep their criminal past a secret. If they don’t want to give you five years of residency, or if the Social Security Number Trace records doesn’t match up with the information that they give you. Consider it a Red Flag and be ready to ask more questions.
Most often when an applicant sees that you are serious about obtaining clear and concise information from them, they will open up themselves and begin to tell you about any problems with credit, criminal activity or evictions that they have had in the past. They will want to explain why they had these problems. Let them tell you. Sometimes the issues are reasonable issues that we can all understand, a lost job, and illness or even a divorce. These are all very relevant factors in determining whether or not an applicant will become a good resident on your property. Sometimes though you will be able to see through their story and know that this is not the right tenant for you. Below are some simple questions to ask your applicant. You will be surprised by how often you will get “yes” answers.
HAVE YOU EVER BEEN?
Sued For Non-Payment of Rent? __________
Had an Eviction Filed Against You? ___________
Sued For Damage to Rental Property? _____________
HAVE YOU EVER:
Broken a Rental Agreement or Lease? ______
Filed Bankruptcy? _____ Was it Dismissed? _____
buddhist dating service For the Future: Getting information on a Rental Application that could be helpful to you in the future if you need to collect a debt. The best source is at least two personal references. Emergency information is one reason to collect this data, but it can be used to help find them later if needed. Don’t ever send it addressed to the emergency contact’s name, that would be against the laws within the Fair Debt Collection Act.
The final best source for future information is to include a simple sentence at the bottom of your Rental Application that will allow you pull any screening information you want to about them in the future. Here is the sentence:
starting a dating service I authorize the Landlord and their agents, including any collection authority, to obtain further address and employment information, and any necessary background screening information before, during and after the lease term for the purposes of collecting past due lease payments, late fees or any other charges that are owed to the Landlord.