Screening

InstaRent offers a three-part tenant screening report:

**All information included in FABCO Screenings dates back 7 years with the exception of convictions that can be reported longer than 7 years, in which case the records report back to the date of occurrence depending on the individual state’s statutes and codes.

1. FAB Rental Report

   • Nationwide Eviction Filings
   • Rental Collections on file with FABCO
   • Notices to Vacate filed by other FABCO clients
   • FAB Alerts, which report any known aliases, name variations and/or differences in SSN
   • Previous employment and address history
   • Inquiries by other landlords within the last 7 years that access the FABCO system.
   
   

2. National Credit Report

   • Public records (i.e. bankruptcies)
   • Collection accounts (i.e. utilities, credit cards, medical, etc.)
   • Trade lines showing payment history and status of each line of credit
   • Inquiries by other credit grantors for the past two years
   • Vantage 4.0 Credit Score. FICO Score is available for an additional cost.
   • Credit summary
   • OFAC Advisor (terrorist alert) available upon request (Requires addendum to contract)
   
   

3. Multi-state Criminal Report

   • Department of Corrections
   • Municipal court records
   • Common pleas records
   
   

**National Sex Offender Report included upon request

DENYING A RENTAL APPLICANT: FABCO and it's staff is not involved in the decision making process for credit worthiness for apartment applications.  All decisions are made by the property management company and/or leasing office.  Automated Approval System Criteria is owned by the individual property management company and loaded into the system at their direction.

There are certain guidelines that landlords must follow as instructed by the Fair Credit Reporting Act (FCRA) when denying an applicant:

1. Send Adverse Action Letter with reason for denial
2. Send a copy of the FCRA Summary of Rights

If an applicant is denied based on his/her credit history, he/she has a right under the FCRA, to obtain a free copy of his/her credit report from TransUnion within 60 days.

The contact information for TransUnion is listed on the Adverse Action Letter.

If an applicant is denied based on his/her rental or criminal history, he/she can obtain a free copy of his/her rental report from FABCO within 60 days.

The contact information for FABCO is listed on the Adverse Action Letter.

In accordance to the Privacy, Compliance and Authorized End User Addendum to the FABCO Member Contract, you are not permitted to give a copy of the report to the denied applicant; they must contact FABCO or TransUnion to obtain a copy.