MyRental is one of numerous tenant screening background check agencies you’re likely to face during your search rental apartment search. Find out who they are, what they do, and what rights you have under the Fair Credit Reporting Act (FCRA)
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What is MyRental.com ?
MyRental™ is a trademark of CoreLogic Rental Property Solutions, LLC (“CoreLogic”) and an online tenant screening service offered by CoreLogic. The MyRental website lists its address as in Texas, where its owner, CoreLogic, has an office, but CoreLogic is headquartered in Irvine, California.
MyRental offers tenant screening services for independent rental owners, real estate agents and property managers. According to itswebsite, MyRental “offers a wide variety of background reports and services to help identify quality tenants who are more likely to pay rent on time each month, protect the property, and stay for longer periods of time.” MyRental boasts that “CoreLogic databases are updated 24 hours a day, seven days a week and undergo[] seven layers of quality control to validate and clarify data.”
MyRental provides many types of tenant screening checks. Its offerings include a tenant score created by analyzing personal application information, past rental payment performance, eviction history, credit report data, and bankruptcy records, as well as separate searches for criminal, sex offender, credit and eviction histories.
Housing is a basic need. Whether you are approved to rent or lease a house or apartment often depends on the information learned from a tenant screening report. A tenant screening report can come in many shapes and sizes. It may be as simple as verifying your social security number. Or it may include a detailed report of your credit and criminal history, or even information gathered from interviews of your prior landlords, neighbors,or friends about your rental and rent payment history or your character and reputation.
Whatever the scope of the background check, the FCRA sets strict standards for how landlords and tenant screening companies get consent for and conduct background checks, and what they can do with the information they find.
If a tenant screening company like MyRental.com fails to meet those standards, the FCRA gives you rights.
If you feel you have been harmed by this Tenant Screening Agency, click 844-685-9200 ☎ NOW to call us or go ahead and fill out our Contact Form. We will fight for your rights. Our services are absolutely FREE to you.
What are my Tenant Screening Report Disclosure and Consent Rights?
You have a right to know if a landlord uses information from a tenant screening report against you and a landlord cannot obtain screening information from a tenant screening company unless the landlord certifies that it will only use the report for housing purposes.
If a landlord takes “adverse action” against you either by denying your rental application or imposing more stringent rental conditions on you (e.g., requiring a co-signer, a higher deposit or increased rent) based partly or completely on information in a tenant screening report, the landlord must give you notice of that fact. The adverse action notice must include the contact information for the tenant screening company and an explanation of your rights to dispute the report.
Your Right to an Accurate and Legally-Compliant Report
A tenant screening company must take reasonable steps to ensure its report is as accurate as possible.
The FCRA also puts limits on the negative information a tenant screening report can include. A report cannot list civil suits, judgments, arrest records, paid tax liens, accounts in collection or most other negative information (except criminal convictions) after 7 years, or bankruptcies after 10 years. It also cannot list expunged convictions
Your Right to Dispute an Unfair Screening Report from MyRental
If your rental application is denied or a landlord or property management company imposes more stringent conditions on your application because of information in a tenant screening report, you are entitled to a copy of the report. You also have the right to dispute the report if it has errors or includes information it shouldn’t.
If you dispute a report, the tenant screening company must investigate and correct any errors within 30 days.
Your Right to Sue Houserie if your report includes inaccurate or illegal info
If you were denied rental housing or subjected to more stringent financial or other conditions to rent a house or apartment because a tenant screening report included inaccurate or illegal information, you may be able to sue in federal court. If you sue and win, you may be entitled to your actual damages or statutory damages up to $1,000, plus punitive damages, attorneys’ fees, and costs.
Actual Complaints
Honest, hardworking people just like you who lost housing opportunities due to inaccurate or unfair tenant screening reportshave already sued CoreLogic, the company that owns MyRental, for FCRA violations.
Justia lists at least 2 federal civil lawsuits against CoreLogic that allege violations of the FCRA due to improper tenant screening reports.
For example, on October 18, 2017, a consumer sued CoreLogic in the federal district court for the Southern District of Florida for violating the FCRA in connection with a tenant screening report and alleged that he was denied or at least delayed in pursuing housing opportunities and suffered emotional distress, reputational harm and other damages. The complainant alleged that he applied to rent a condominium in a Florida condominium development subject to a background check. CoreLogic prepared the background check but failed to use reasonable procedures to ensure the maximum accuracy possible of the report as the FCRA requires, including procedures to deal with common names, and failed to comply with its other obligations under the FCRA. According to the complainant, CoreLogic falsely matched him with another individual with a similar or the same name who had been charged years earlier with attempted murder, conspiracy, and burglary in the first degree and who had also allegedly been charged with criminal mischief in the second degree. The person whose criminal history CoreLogic listed was not the complainant. According to the complainant, CoreLogic compounded its error by failing to state the disposition of the 2009 charges of attempted murder and burglary as dismissed, or to include that there was no criminal record information for the later charge of criminal mischief in the second degree. Because of CoreLogic’s erroneous report, the complainant’s application to rent the condominium was denied. The complainant disputed the report and obtained verification that the charges did not belong to him, but CoreLogic incorrectly and improperly “verified” the criminal history “as stated” and only several weeks later deleted reference to it in a second re-investigation. The complainant alleged that he spent 50 days in a hotel as a result of CoreLogic’s erroneous report and its erroneous first re-investigation report, and that the housing he ultimately was able to secure was significantly more expensive than the condominium he originally applied to rent.
This is just one of the federal civil FCRA lawsuits filed against CoreLogic and it is similar to FCRA lawsuits filed against other tenant screening companies like CoreLogic. Many of those lawsuits allege that tenant screening companies did not take reasonable steps to verify criminal background information and, as a result, falsely branded the complainants as convicted felons and caused them to lose housing opportunities.
The Better Business Bureau (BBB) has also received complaints alleging that CoreLogic violated the FCRA in connection with tenant screening reports. The BBB has received 16 complaints in the last three years with six closed in the last 12 months. Most of those complaints allege that CoreLogic falsely listed criminal convictions, included expunged, outdated, or incorrect information, or misidentified the subject of the report. Some complaints also allege that CoreLogic listed inaccurate rental history or non-existent evictions, and that CoreLogic was not responsive or did not properly handle disputes about inaccurate information
Ready to Assert Your FCRA Rights?
Denied Housing because of a MyRental Tenant Screening Report? If so, you’re in the right place.
● Our 12-year track record of helping hardworking, regular people just like you speaks for itself. We have the experience, knowledge, and dedication to get you the best results possible. ● We’ve helped more than 25,000 consumers recover more than $50 million. ● We work to restore your reputation and get you the compensation you deserve. You focus on living your life. ● We care because we know what it’s like to lose out on a job because a faceless company didn’t follow the law. ● We will fight hard for you and won’t stop. We are not afraid to stand up to big, powerful companies. That’s what we do. ● It won’t cost you a penny out of pocket – you pay nothing until we win money for you.
Our mission is to fight for your rights. ✊
If you’re ready to assert your rights and fight incorrect information in your tenant screening report, we can help you get justice. Complete our form for a FREE case evaluation, or call 844-685-9200 NOW
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About the Author:
Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
