this is a very often misunderstood area, thanks for the explanation!

Quote from @Tom Nagy: Sadly, you will never get that explanation. 

When I asked for an explanation, I was told a bunch of different stories, none of which made any sense.

But with his persistence at continuing to “double down” on obviously incorrect statements, attempting to “massage” explanations at to what the statements were really intended to mean, and especially his PERSONAL attacks on people who disagreed with his position or called out his many contradictions, it’s become obvious that he has an out of control ego issue.

He even had the nerve to downvote my complaint on Complaints Board without providing any explanation as to why he disagreed with my post.

They did use the Pruvan software but I feel like I needed more explanation upfront on what would be expected.  

These all require applicants to submit an acceptable Letter of Explanation addressing each specific issue and occurrence.Rental HistoryBecause a current landlord may say anything to get rid of a bad tenant out of desperation, we also require information for the previous landlord of all applicants…Analyze IncomeMany landlords require a month of paystubs from applicants and just use these to calculate a monthly qualifying income…Employment StabilityUnless an applicant has exceptional credit, we strive to determine their stability of employment…AssetsWe are one of the few management companies that requires a bank statement as part of our application process…Letter Of ExplanationAny time there are credit issues or we discover an inconsistency, we require a written letter of explanation (LOX)…UnderwritingTraditionally, landlords have only looked at the income of applicants…ApprovalOnce an applicant is approved, we require a nonrefundable Holding Fee to make sure they are serious…

If they have a reasonable explanation for the credit score (like maybe they lost their job during pandemic and had to survive on credit..) but they meet the income requirements and rental history (no evictions or current cases) I would ask for double deposit to forgo the credit score.

There are 2 towns in New Jersey to tag, 2, and if you don't tag one no one will see it if they search geographically.1,000%, more has not been better.I argue NFL vs MLB. 

- Uploading contracts (leases, offers, etc) and asking it to explain specific paragraphs so I can confirm my interpretation and avoid bias.I always ask for sources or an explanation of how it arrived at its conclusions.Pro tip: tell it to “take its time.”