Credit Reports, Criminal Background Checks, Evictions and More…
Independent landlords, real estate agents and professional property managers can choose from a variety of services to obtain tenant credit checks to screen prospective applicants. AmerUSA is an organization that’s been in business since 1999 and offers three account options to cater to everyone. In addition, customer service is just a phone call away to offer assistance with results and whatever scenario you may have on your hands.
Registration is free and prices start at $9.95
Visit AmerUSA.com to start today!
As if you didn’t know this already, a credit report is used in almost every business-to- consumer transaction today that involves any further extension of credit. More often than not, every time you need to borrow, lease or finance, you will undoubtedly be asked to produce your Social Security Number so that a consumer credit file can be pulled to determine how much of a credit risk you are prior to approving your request.
A credit report contains a detailed historical record of virtually all of your financial obligations from the past seven to ten years – debts that have been reported by banks, credit card companies, mortgage lenders, utility companies, collection agencies and anyone else with whom you may have had any financial transactions. In addition, a credit report can also reveal a list of reported addresses, employers and public record filings, such as bankruptcies, civil judgments and tax liens. So, it is really difficult for an applicant to hide a questionable past – which is a good thing… at least for landlords…
Over the past 30 years, the data and algorithms used to determine risk factors and credit scoring have improved immensely to assist the decision-making process. When used correctly, there is no better way for a landlord to assess an applicant’s ability and willingness to satisfy a lease agreement than with a personal credit report – which is precisely why the entirety of this page is dedicated to making sure you understand how to use the most important tool in tenant screening before you ever have to approve an applicant.
Tenant screening by state: