In Lieu of Credit/Background Check

[Wendy S.]

Good day All

I have a pending application because Transunion via Apts.com cannot verify applicant's identity.

He has provided his bank statements, set up online payment as requested but I can't accept him because of the Credit/Background checks.

I called Transunion and they suggested he get a copy of his annual report so he can answer the questions correctly.

However, he is unable to get this done as I was told it brings up info for his son and not him so again he was unable to complete application.

Any suggestions on what you would do?

[Nathan Gesner]

Deny the applicant. Your job is to screen the information they provide. If they can't provide the information necessary to screen them, you tell them they failed to meet the screening requirement and walk away. Give them an Adverse Action Letter and let them contact the credit reporting agency to figure out why they couldn't qualify while you focus on finding a tenant.

It's not your job to prove someone's information. If they can't provide the documentation necessary, you walk away.