The most frequently asked questions and answers regarding our products and services have been provided for your convenience. You are encouraged to call us for assistance at anytime, just visit our contact us page. We always enjoy hearing from current and future clients.
The AAC Web Site
- Your website has changed, has your service changed too?
- Is your registration and order processing secure?
- I heard there are new credit bureau requirements. Can I still screen my tenants?
- Which account should I sign up for?
- Do standard accounts require an onsite inspection?
- What special access do you offer property management companies?
- How do standard accounts work?
- Can I see a sample of a standard tenant screening report?
- How do I get started?
- Is there a membership fee?
Applicant Screening Tools
- Can I see my applicant’s full credit report?
- What does the standard tenant credit check include?
- What does a criminal record check include?
- What is included in an eviction report?
- What is included in the criminal record report?
- Why do criminal records sometimes show multiple names?
The Screening Process
- What happens after I place an order?
- How do i provide the signed rental application or consent form?
- Do you offer paperless tenant screening?
- How fast are results delivered?
- What is the CVV code found under billing information?
The AAC Web Site:
A: We have recently completed a data integration with the nation’s leading provider of tenant screening services so you have access to the most up-to-date and reliable information available in the rental industry.
A: Yes, all orders, registrations and data involving personal billing and identity information are encrypted and protected with a 256-bit SSL Certificate. However, it is also for important for our customers to protect their own computers and connections by using anti-viral software and private networks as opposed to public WIFI and computers.
A: AAC has kept up-to-date with the latest regulations and partnered with the leading tenant screening network to make sure you have the tools necessary to make the best decision possible.
A: Most users sign up for a standard account because professional accounts are only for those who operate their property management business from a commercial location such as an office. Home-based landlords are not permitted to setup professional accounts.
A: No, setting up a standard account is fast, east and free and it’s all done online. Only professional accounts require a one-time inspection.
A: First of all, pricing is heavily discounted for professionals versus our standard account holders. Secondly, instant online access is provided 24/7 so tenants scan be screened any time of the day or week.
A: Standard accounts require only the clear authorization of the tenant in the form of a rental application or consent form. Reports provide a summary of the applicant’s payment history by highlighting both negative and positive tradelines from each category such as mortgages, auto loans and credit cards. We also include the official FICO score range and make note of any bankruptcy, judgment or collection history. We also offer several other screening reports including eviction records and criminal records if you wish to expand your search.
A: Absolutely, view a sample report.
A: Start by visiting our tenant screening page to decide between standard or professional accounts. From there you can choose which registration form to complete. For standard accounts it’s an entirely online process and as soon as you click on submit to create an account, you’ll be given the option to place your first screening or even create your very own custom rental application sand lease agreement. Professional accounts require you to print out the registration agreement so you can complete it and provide requested documents to be returned by fax.
A: Neither account option requires a minimum number of orders to be placed.
Kinds of Screening Information Available
A: In 2006, the three major credit bureaus imposed very strict guidelines for the entire credit report industry regarding unrestricted access to an applicant’s full credit report. Only professional account holders can qualify for such an option. However, standard account holders receive reports based on the same information, the only difference is that some of the data is redacted to protect the consumer. Our standard report is actually much easier to read and provides highlights of some of the most important aspects of an applicant’s credit worthiness including delinquencies and statistical probability of future delinquency. Plus, all account holders are encouraged to call our toll-free assistance line to speak to a live specialist regarding any questions about their results and different scenarios. You hire us not just for a report, but our service is what really stands out.
A: Each standard tenant credit check includes name, address, employment and ssn matching to make sure what the tenant provided to you matches up against what has been reported before. It will then look for bankruptcies, judgments, liens and collection accounts. Next, there will be an assessment of the payment history for various accounts under each of the following categories: Revolving Credit (credit cards), Installment Accounts (auto loans) and Mortgages. Finally, the applicant’s credit score range will be revealed and graded for tenancy.
A: Criminal record checks typically focus on felony convictions, but often include misdemeanor offenses such as driving infractions in some states like California.
A: Eviction records are typically searched by name and then one of our processors will look for address information within the record to confirm a hit. if we do not find a similar address to what has been reported for the applicant previously, then we will let you know (especially if searching a common name such as John Smith) that it may not be your applicant.
A: Criminal records usually contain the name, DOB and sometimes identifiers such as height, weight and eye color. In addition, the type of offense, date it occurred, the jurisdiction, case number and sentencing will also be included.
A: Criminal records are usually searched by name and date of birth. The SSN is typically not included in the record so if there are name variations (especially common names like Chuck, Charles, Mike, Michael, etc.) there could be several results which may or may not be your applicant. We prefer to be cautious and release all of the information we think may be relative, but this does not mean it is definitively your applicant. If we suspect a serious offense that we are not sure was committed by your applicant, we will advise you accordingly and sometimes suggest doing an onsite county search at no additional cost – it just takes a couple of days to accomplish. This is when it pays to be a client of ours…
The Screening Process
A: Our automated systems will verify your order is okay to be processed as you click on submit. Your account is verified and billing information is approved.
A: The original form should be kept for 5 years. Copies may be provided to us by email (pdf preferred file format, if possible) or fax.
A: There is an industry product available that is paperless which requires no applicant documents or ink signatures. To learn more about it, please call us. Those types of results rely upon the input of the tenant online.
A: Results are typically delivered (on average) in one hour Monday-Saturday. Live telephone support is Mon-Fri from 9am-5pm Eastern.
A: The CVV code is the three digit security code found on the back of your VISA or MasterCard.
Credit Report Specifics
A: The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer reporting agencies collect and share your information.
A: The law allows all consumers to obtain a free copy of their credit report from each credit bureau by visiting www.annualcreditreport.com or calling 1.877.322.8228. Be careful not to succumb to offers to pay for credit scores (even on annualcreditreport.com, they are usually not FICO score models, they’re the bureaus’ own calculations that most lenders don’t use).
A: Order processing is now 24 hours/7days per week online. Customer service is available Monday-Friday 9am-5pm.
A: Just contact us during our normal hours.