The undersigned organizations urge HUD to take action to ensure that individuals who qualify for public or subsidized housing can successfully secure a home.
NCLC survey of Legal Aid and non-profit attorneys reveals credit reporting and debt collection consequences of alleged rental debt.
This article examines practice implications of three recent CFPB interpretations of the Fair Credit Reporting Act, including: tenant and background screening companies’ use of name-only matching violates the FCRA; users are strictly liable for permissible use violations; and state law can limit when medical debt, evictions, rental arrears, and criminal records can first be reported.
Read More about CFPB Issues Three FCRA Interpretations with Widespread Implications
This white paper provides an overview of the most significant uses of credit reports and credit scores for purposes other than credit underwriting. These non-credit uses include: Employment, Rental housing, Insurance, and others.
Read More about Mission Creep: a Primer on Use of Credit Reports & Scores for Non-Credit Purposes
Today, to rent an apartment or nail down a job, you almost always have to pass a background check. About 94% of employers and 90% of landlords run criminal background checks, and about 85% of landlords review eviction information. Many landlords and employers purchase reports containing criminal and eviction records information from specialized tenant and…
Today, to rent an apartment or nail down a job, you almost always have to pass a background check. About 94% of employers and 90% of landlords run criminal background checks, and about 85% of landlords review eviction information. Nobody should be turned down for an apartment or job because they were erroneously tagged with…
Even before the COVID-19 pandemic, Massachusetts’ renters were facing a crisis from the lack of safe and affordable housing for low and moderate-income (LMI) families. One of the most significant barriers for obtaining housing is the use of credit reports and credit scores. By some estimates, 90% of landlords use credit reports and scores. NCLC…