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F.A.Q.
Q: Can I obtain a copy of my own credit report from National Credit Reporting?
A: If you are an individual interested in obtaining a copy of your own credit report, you are entitled
to obtain a free copy of your credit report every twelve months from the web site: www.annualcreditreport.com. You also
have the option to contact the credit bureaus directly. Following are the phone numbers and web site addresses
for the nationwide credit bureaus:
Equifax: 800-685-1111; www.equifax.com
Experian: 888-397-3742; www.experian.com
TransUnion: 800-888-4213; www.transunion.com
In compliance with Section 1785.20 of the Consumer Credit Reporting Agencies Act, if you have been denied rental housing,
based in whole or in part on information contained in your Equifax, Experian, or TransUnion report, you may obtain a FREE
copy of your credit report within 60 days from any consumer credit reporting agency which compiles and maintains files
on consumers on a nationwide basis (Equifax, Experian, TransUnion).
You will be required to provide your name, address, social security number, date of birth, and day/evening phone.
If you applied for rental housing, and National Credit Reporting processed your credit report, you many obtain
a copy of your credit report from National Credit Reporting, 6830 Via Del Oro, Suite 105, San Jose, CA 95119, (800) 441-1661.
Q: What credit reports do you provide?
A: NCR can provide you with a nationwide credit report from any of the three Credit Repositories in the United States. As a member, you will have your choice of an Equifax, Experian, or TransUnion credit report, all of which have been reformatted and are easy to read. In addition, our representatives will suggest the report that is best suited to your geographical area.
Q: How do you obtain eviction information?
A: We employ individuals to collect Unlawful Detainer filings from each and every court throughout CA, OR, WA, NV, ID, and Arizona. Many credit reporting agencies will provide the judgments that appear on any standard credit report as a public record. At National Credit Reporting, however, we specialize in tenant screening and can inform you of all eviction actions with our UD filings, even those that never, or have not yet, made it to judgment status.
Q: How can I retrieve my reports?
A: National Credit Reporting provides many options for accessing information. Reports can be obtained instantly via telephone, Windows Software, or from our Internet Website. In addition, our fax back service is available with a turnaround time of 15 minutes!
Q: Will your report tell me whether or not to accept a prospective applicant?
A: Our Consultants will meet with each client and review the criteria for every property. Based upon the many factors involved, our Consultants will derive a scoring system designed to choose the best residents for each property.
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