application screening guide - gateway screening gui… · guarantor, follow the same steps as...

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Blue Ridge Property Management Revised 11/12 Screening Guide

Application Screening Guide Step 1: Check the application to ensure it is complete and legible. Handwritten applications

must contain a signature and a date in order to be processed. Online applications can be processed without an actual signature, as long as the application contains all the required information.

Step 2: Check Photo ID: Applicants must present a valid government issued PHOTO ID at the

time of application. Refer to the “Photo ID” section of this guide for the appropriate documents. If the application was submitted electronically or via mail, you may proceed with the next steps but you must verify the photo ID prior to executing the lease agreement.

Step 3: Enter Applicant(s) Information into OneSite

Ensure that ALL data is entered accurately as this information will feed to the screening portion of the system

Enter income as it’s stated on the application. If the applicant discloses unemployment or retired status, enter $1 as the income for screening purposes.

Remember: Do not include any symbols or punctuation in any demographic information field including NAME fields.

Step 4: Screen applicant through OneSite*

You will be prompted for your CoreLogic® SafeRent™ Username and password In the "Current Monthly Rent" field, enter the CURRENT RENT OR

MORTGAGE PAYMENT.

`* If you are screening for criminal only, as in the case of a corporate unit occupant, you will need to go straight into the Corelogic website.

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Step 5: Print Report and Review ScorePlus Page for Decision and Alerts. Include printed report in the applicant file.

o Example of an Declined Decision

o Example of Conditionally Approved Decision^

o Example of an Approved Decision^

o When the result is Conditionally Approved or Approved, always:

Check the CrimSafe Decision. If the decision shows as Accept, you may proceed with the final steps

of processing the application.

o If the Report indicates Records Found, STOP HERE and follow steps

in the Criminal Report Section of this document. A “Records

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Found” result overrides an “Accepted” or “Conditionally Accepted” result!

o

Check the ALERT section to see if further action is needed prior to contacting the applicant.

If an ALERT is present, follow the applicable steps in the ALERT section of this guide.

o

Step 6: If credit screening was APPROVED and ACCEPTED (credit and criminal):

Contact the Resident to schedule to sign the lease Refer to further details in the “Final Approval of Application” section of

this guide.

If credit screening was CONDITIONALLY ACCEPTED and ACCEPTED (credit and criminal):

Notify applicant of the conditions of the approval as stated on the ScorePlus Page. NOTE: Some properties have multiple tiers of conditional requirements; make sure you read the ScorePlus Page carefully!

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If applicant chooses a guarantor, proceed as directed in the guarantor section of this guide.

If the applicant chooses the additional deposit or bond option, ensure that deposit is paid prior to lease signing and/or bond is secured. Conditional deposits must be paid with certified funds.

Provide applicant with a copy of the Adverse Action Letter as soon as possible, even if the applicant accepts the condition. The Adverse Action letter can be generated in CoreLogic.

Schedule to sign lease. Conditionally approved applicants do NOT qualify for All Inclusive Rent!

If application was DECLINED or RECORDS FOUND:

Notify applicant immediately of status of the application. If you are unable to reach the applicant by phone, do not leave details in a voicemail. Ask the applicant to contact you as soon as possible.

You may contact the applicant by email to request they contact you in regards to the status of their application but do NOT send details via email.

Provide them with a copy of the Adverse Action Letter immediately. You can hand deliver the letter or send it via regular mail. Do NOT email an adverse action letter unless you have written permission from the applicant to do so.

Keep a copy of the letter in the Applicant file.

Step 7: Income Verification: Refer to “Income” section of this Guide.

Co- Applicants/Roommates – Multiple Applicants Scoring

All applicants over 18* must be Lease Signers/Co-Applicants. Occupants are only allowed when they fall under the dependent category.

A dependent^ is defined as anyone over 18 who currently dwells with their legal parents or legal guardian

A person who is disabled or on social security who dwells with a qualified lease holder.

All applicants must meet the same criteria. When screening Co-applicants run them simultaneously. You will get a joint

score. In the event you are adding a new lessee to an existing lease, the existing

resident has two choices: o We can process the new applicant(s) independently; he/she will need to

qualify on their own in order to be added to the lease. The applicant must also meet all other rental standards as outlined in this document. If the application is approved conditionally, the new applicant will have to make the total deposit for that apartment match the conditional deposit requirement. For instance, if the existing resident paid a $200 standard deposit and the conditional approval requirement for your property is

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$500, this new applicant will have to pay the difference ($300) prior to move-in.

OR

o The existing resident can choose to be processed with the new applicant. *If this option is chosen, you will need to process both applicants for credit by going directly into CoreLogic to perform the screening. Do NOT screen through OneSite as doing so will also process a criminal search on the existing resident. Do NOT screen existing residents for criminal. Once the application is accepted or Conditionally Accepted on the credit report, you will have to process the criminal report for the new resident ONLY.

This option requires that the existing resident complete a new application with the understanding that their consumer credit file will reflect an additional inquiry and that if the joint application is declined; the new applicant will not be allowed to live in the apartment. If the existing resident allows the new applicant to move in anyway, legal action may be taken since this is a lease violation. If the existing resident chooses this option, run both the existing resident and new applicant as a joint application.

If the joint application is Conditionally Accepted and the existing resident has a minimum of 12 months of perfect rental history at your property, the joint application can be accepted with NO Conditions.

If the joint application is Conditionally Accepted and does not meet the above criteria, the conditions stated on the ScorePlus Page apply. For instance, if the existing resident paid a $200 standard deposit and the conditional approval requirement for your property is $500, this new applicant will have to pay the difference ($300) prior to move-in.

If the joint application is declined, notify both applicants and provide them with the Adverse Action letter.

NOTE: the existing resident can continue to live in their apartment even if this joint application is declined but the new applicant will not be allowed to move in.

Refer to the Gateway (Changes in Status After Move-in). In OneSite, check the Lease Signer & Occupant box!

*MISSISSIPPI: All applicants over 21 must be Lease Signers/Co-Applicants. ^All persons over 18 must meet our criminal criteria (refer to the criminal section of this document for further information).

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Guarantor(s) NOTE: Guarantors MUST be SCREENED separately from the Lessee applicant (including Students). Always enter Applicant(s) in OneSite and complete screening. Next, enter the Guarantor information into OneSite and screen separately. A guarantor will be allowed for:

Applicants who are accepted on a conditional basis (or the applicant can choose to pay the applicable additional deposit or secure a bond as stated on the ScorePlus Decision Page).

Only 1 guarantor is required for each lease. However, multiple guarantors are acceptable. If multiple guarantors apply for 1 apartment, each guarantor MUST be screened separately.

A guarantor will NOT be allowed in cases where an applicant’s score is in the Decline category except where noted in the Student section of this document.

Students: Click here for details!

Qualifying a Guarantor: Guarantors must complete a Guarantor Application (can be found on the Gateway). When screening a guarantor, follow the same steps as outlined in 1-5 on the page 1 of this document. Guarantors must have a valid SSN or ITIN and a US address (no PO Boxes) in order to be processed. Guarantors must be Accepted. If a guarantor is Conditionally Accepted or Declined they do NOT qualify to be a guarantor. The applicant must either pay the conditional deposit or seek another guarantor. In OneSite, check ONLY the “Guarantor” box when adding demographic information; do not check the “Lease Signer” box.

Once screened and ACCEPTED:

Contact the Guarantor to sign Guarantor Agreement (found on the Gateway) form and Applicant to schedule leasing signing within the next 72 hours.

Refer to further details in the “Final Approval of Application” section of this document.

If DECLINED:

Notify guarantor applicant immediately of status of the application. If you are unable to reach the applicant by phone, do not leave details in a voicemail. Ask the applicant to contact you as soon as possible.

You may contact the applicant by email to request they contact you in regards to the status of their application but do NOT send details via email.

Provide them with a copy of the Adverse Action Letter immediately. You can hand deliver the letter or send it via regular mail. Do NOT email an adverse action letter unless you have written permission from the applicant to do so.

Keep a copy of the letter in the Applicant file.

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Student(s) This Student policy applies to any student application at any property. When processing an application for full or part time students, the following criterion applies to any student applicant at any property.

The applicant must be 25 years or under to qualify as a student.

Students must present a valid Student ID or letter of acceptance dated in the last 120 days.

In the situation where multiple applicants wish to apply together, all applicants must be students 25 years or under. Otherwise, the application must be processed as a non-student application.

Documented student applicants can choose one of the following processing options:

1. The applicants can choose to utilize a guarantor (at least one per apartment but multiple guarantors are acceptable if applicants so desire.)

If they choose a guarantor, do NOT process the student’s credit. However, all students must pass the criminal background screening.

Click here to see details about qualifying a guarantor.

2. The applicant can choose to be processed as a traditional applicant.

Follow steps outline on Page 3 of this document.

If the student applicant is declined, and there is NOT a Collection Alert, they may then choose to utilize a guarantor as outlined in #1 above.

Applicants Without SSN Approval will be based on the following criteria being verified:

1) Applicant must provide one of the following forms of identification a. Form I-551or I-151 – Permanent Resident Card or Alien Registration

Receipt Card (commonly referred to as a Green Card) - includes Photo and fingerprint.

b. Form I-688 - Temporary Resident Card – includes photo and fingerprint

c. Form I-688A – Employment Authorization Card – includes photo and fingerprint

d. Form I-688B – Employment Authorization Card issued by DHS – contains photo

e. Form I-94 - Arrival/Departure Record - does not include photo or fingerprint.

f. Form I-327 - Re-entry Permit g. Form I-571 - Refugee Travel Document

2) Check the expiration date on any item submitted for identification purposes. If the item is expired, STOP HERE.

3) Any dated form must not expire within the time of the proposed lease agreement.

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4) Process applicant for Credit/Criminal using their ITIN number. If the applicant doesn’t have an ITIN or a Social Security Number, use 999-99-9999 in the SSN in the social security number field.

a. You will most likely get a SSN Alert when processing these applications.

b. If the application is Accepted or Conditionally Accepted by the system, no need to worry about the SSN Alert. Simply proceed to Step 5 below.

c. If the application is declined by the system, contact [email protected] for further review.

5) Income requirements: follow instructions in Income section of this document. 6) Upon receipt of all required documentation, the application should be

Conditionally Accepted (One month’s rent or a qualified Guarantor).

o Notify applicant of the conditions of the approval. o If applicant chooses a guarantor, proceed as directed in the guarantor

section of this document. o If the applicant chooses the additional deposit, ensure that deposit is

paid prior to signing the lease with certified funds. o If you are unable to reach the applicant by phone, do not leave details in

a voicemail. Ask the applicant to contact you as soon as possible. o You may contact the applicant by email to request they contact you in

regards to the status of their application but do NOT send details via email.

o Provide them with a copy of the Adverse Action Letter immediately. You can hand deliver the letter or send it via regular mail. Do NOT email an adverse action letter unless you have written permission from the applicant to do so.

o Keep a copy of the letter in the Applicant file. o Schedule lease signing.

Photo ID Applicants must present a valid government issued PHOTO ID at the time of

application. If the application was submitted electronically or via mail, you may proceed with the next steps but you must verify the photo ID prior to executing the lease agreement.

Acceptable forms of identification are:

Valid state driver’s license Valid state issued ID card Valid Military or dependant ID card Valid Passport A Student ID is NOT acceptable for purposes of verifying

identification; it is to be accepted only for the purposes of verifying student status.

NOTE: For international applicants, refer to Applicants without SSN above.

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Income Written proof of verifiable income is required. Applicant must provide acceptable income verification, which may include:

1. 2 consecutive pay stub(s) from current employer(s) must be dated within the past 45 days and must indicate the applicant's name, address, company name and gross annual salary to date.

2. Notarized employment contract, letter, or statements of income or notarized BRPM Verification of Employment Form.

3. W2 or 1099 that is dated within the last 90 days – need to see original; make copy for file.

4. Government documents detailing benefits (includes Child Support, SS

Income, Alimony support.)

5. Current Student financial aid report dated within the last 90 days.

If the applicant is unable to provide any of the documentation above, contact [email protected] for further guidance.

Persons with no Verifiable income (Retirees, Students): If the applicant is unable to provide documentation of regular recurring income, bank statements can be used for income verification. The following condition will apply: the bank statements must be in the applicant’s name and must reflect a minimum balance equal to or greater than three (3) times the monthly rental amount multiplied by the number of months in the requested lease term. (For example, if an applicant is applying for an apartment home with a monthly rent of $750.00 for a twelve month term, the applicant must show a bank statement with a balance of $27,000.00 or greater [$750.00 x 3 x 12 months]).

NOTE: There is no need to verify the income on an applicant if a guarantor is being used. You only need to verify the guarantor’s income.

Credit History Refer all applicants whose application is Declined based on the information

provided by CoreLogic® SafeRent™ to the toll-free # in the Adverse Action letter. Do not encourage the applicant to contact your Regional Property Manager; there is nothing the RPM can do to help them.

Employees are to refrain from counseling applicants regarding their credit.

Adverse Action Letter In accordance with the Fair Credit Reporting Act, all applicants must be notified

in writing if their application has been declined or Conditionally Accepted. The Adverse Action letter is generated by the screening service and should also include details of how to dispute the findings as well as where to call to obtain a

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copy of the report. The Adverse Action letter containing the reason for the denial must be given to ALL Applicants whose application was Declined or Conditionally Accepted.

Provide the letter as soon as possible after notifying the applicant of the application status.

The letter may be handed to them in person or mailed to them. If you are unable to reach the applicant by phone, do not leave details in a

voicemail. Ask the applicant to contact you as soon as possible. You may contact the applicant by email to request they contact you in regards

to the status of their application but do NOT send details via email. You can hand deliver the letter or send it via regular mail. Do NOT email an

adverse action letter unless you have written permission from the applicant to do so.

Keep a copy of the letter in the Applicant file. Adverse Action Letters must be kept on file for three (3) years.

Always remember that, pursuant to the Fair Housing Act and BRC’s policy, applicants may not be rejected because of race, color, religion, handicap, sex, familial status, national origin or LGBT status. Refer to Fair Housing Compliance policy on the Gateway for more details.

Corporate Corporations wishing to apply for an apartment in the company name must Applications meet certain criteria. Follow these steps when a corporate application is received.

1. The company representative must complete the Corporate Application (found on the Gateway).

a. The application MUST be completely filled out, listing the full business name (not the DBA) with the corresponding Federal Tax ID number.

b. The application must be signed by the person who is given authority to sign the lease as stated in the Letter of Authority (LOA). See #2 below for details.

2. A Letter of Authority (click here for a sample letter) should accompany the application.

a. This letter must be on company letterhead and must state that the person who is completing the application is authorized to do so.

b. This letter cannot be signed by the same person that is completing the application.

c. The letter also should state the name and DOB of the person(s) who will be living in the apartment.

d. Do NOT process the application without the LOA. 3. Login to CoreLogic (www.residentscreening.net) and select Run Business

Credit Report under Supplemental Screening Services on the main page. 4. The Intelliscore® box will be checked. Do NOT uncheck this box!

a. Enter the required information and hit submit.

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b. NOTE: Do NOT enter ANYTHING in the fields on this entry screen other than letters and numbers. (No dashes, hyphens, #, etc.)

c. After submitting, return to the View Screening Results page to view the results. The Results list will NOT indicate a decision. Click on “View” beside the corporate applicant to view the results.

d. The results or “Rating” will be near the bottom of the report. e. This process provides you with an Experian Intelliscore® Business

Credit Report that will display a Credit Risk Level. Levels will be handled as follows:

i. Low Risk or Low/Med Risk = Accepted ii. Medium Risk = Conditionally Accepted with the “condition”

being 1 months’ rent as a Security Deposit to be paid in full prior to Move In.

iii. Med/High Risk or High Risk = Declined f. Occasionally, when processing a business report for a company that

has a similar name to other companies, if the application data provided does not exactly match the registered information associated with the Tax Id, and/or if the company has multiple locations, you may get a list of results to choose from. If this occurs, contact [email protected] for guidance on how to proceed.

g. You will need to pull a criminal report for the person(s) who will be living in the apartment. No EXCEPTIONS! *See SPECIAL NOTE at the end of this section.

5. If Accepted: Conduct a Criminal background check on all occupants listed on the application and collect all applicable fees.^^

6. If Declined: Notify applicant immediately and provide the Corporate Adverse Action letter. NOTE: This letter is a Word document and must be generated manually. The system will not generate an Adverse Action letter for a corporate application. You can download the letter template from the Gateway.

7. Exceptions to this policy can only be made by the Vice President of Portfolio Operations.

8. You may also lease an apartment to a “third-party” corporate company (i.e. Apartment Arrangements, Equity Corporate Housing). *See SPECIAL NOTE at the end of this section.

a. The “third-party” company must complete a corporate application as outlined above for the FIRST apartment they lease with you.

i. If the firm already has a relationship with any BRPM property, there is no need to process the credit report or charge the application fee.

ii. It is important to have a system in place with the third party company, where they notify your office when a new resident

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occupies the apartment. Each time a new resident occupies a corporate unit you must run a criminal background report.

*SPECIAL NOTE: When working with 3rd party corporate companies (TLC, Bridgestreet, ExecuStay, etc.) the company should be given a copy of the Criminal Criteria for Corporate Leases in advance of occupying the first apartment. We do NOT make exceptions to our criminal criteria with corporate occupants. If an occupant is determined to be living in a corporate unit at your property that has not undergone the appropriate criminal background check, you should contact the corporate company immediately to work out a swift resolution. If compliance cannot be obtained, notify the corporate company that the occupant should be asked to leave immediately. If they fail to comply, steps to terminate the lease should be taken promptly. ^^Corporate Application fees should be set with RPM guidance. The cost to process a corporate credit report can be as much as $90 so fees should be set accordingly. If the Corporation has other leases at your property or other Blue Ridge locations (such as 3rd party corporate provides – i.e. Bridgestreet, TLC, Oakwood, etc.) you may waive the application fee. However, you will need to follow all the processing steps outlined above for the initial lease. If the decision on an application from a corporate provider with whom we currently have a business relationship with comes back in the denial category, contact [email protected] for a final decision. Once approved, subsequent leases at your property with the same 3rd party corporate provider will not require “processing.” In OneSite, check “Business” and “Lease Signer” boxes for the Business name. For the Occupant, check the “Employee” and “Occupant” boxes ONLY. When you check the business/corporate box, you will see a message that tells you to enter a * in the name field. Ignore this message and do NOT use the * in the name field. Corporate accounts should be entered according to the following example.

AMN Healthcare Services First Name: AMN Last Name: Healthcare Services

ALERTS If certain ALERTS are present on the ScorePlus Decision Page, we have an

obligation to take further steps. In some cases, this is a legal obligation. In many cases, multiple alerts appear. Take care to review each alert and take action according to the following details.

NOTE: If the decision is declined, there is no need to take steps to resolve the Alert!

Simply decline the application.

BANKRUPTCY ALERT - will appear on the bottom portion of the ScorePlus report. When you see this Alert, contact [email protected] so that the details can be reviewed (back-up data). If the details do not indicate that the bankruptcy has been discharged, the application will be Declined.

ADDRESS DISCREPANCY ALERT – The FTC enacted the “Identify Theft Red Flag and Address Discrepancies Rule” under the Fair and Accurate Credit Transactions Act (FACTA) on November 1, 2008. The portion that applies to BRPM is the “Address Discrepancy Rule.”

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This rule requires that we make a reasonable attempt to verify address information when an Address Discrepancy Alert appears on the bottom portion of the ScorePlus Report. The steps to comply are listed below. When you see this Alert, you must compare the addresses to the other information obtained throughout the application process (Guest Card, Application, income information, etc.). This comparison may include:

1. Asking questions of the applicant to confirm that the address information obtained on the application is complete and accurate. Ask specifically if there are any other addresses where the applicant(s) has lived in the last 3 years. This step must be documented thoroughly in the applicant file.

2. Double check that you entered the address information accurately when entering the applicant’s information into FASR. Document your findings in the file.

If we are unable to reasonably form a belief that the report has returned accurate consumer information on the applicant in question, the application is DECLINED. Contact [email protected] if you are uncertain how to proceed.

SSN ALERTS The Social Security Administration has changed the way the assign new SSNs. Previously SSNs consisted of a three-digit area number, followed by the two-digit group number, and ending with the four-digit serial number. While the format of the numbers won’t change, the Administration has adopted a randomized method of assigning numbers that removes the area and group method to make it harder for SSNs to be determined for fraudulent purposes. Because of these changes, CoreLogic has changed the way they will report SSN Alerts. There are 7 different versions of the SSN Alert now.

The alert will appear on the bottom portion of the ScorePlus Report. If any of these alerts appear, you should take the following steps.

If the result was “Declined”, no need to worry about the SSN Alert. Simply decline the application.

If the results were Accepted or Conditionally Accepted, ask to see the actual SSN card. Verify that the name, number, and signature on the card match what is on the application. If everything matches, document your findings and proceed with the system decision. If there are any discrepancies, contact [email protected] to have the information reviewed in detail. When submitting the request to support, only include the applicant name; do NOT email the SSN.

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COLLECTION ALERTS - You will occasionally see a Collections Alert appear on the Decision page when screening an applicant. These alerts identify rent debts that are generally not reported on credit bureau reports due to delays in transferring rental debt history from the landlord to the credit bureau. When combined with the ScorePlus scoring model, these alerts help provide us with the most comprehensive picture of past rental debt history. Using the Collection Alert feature enables properties to significantly reduce the likelihood of accepting an applicant that recently skipped or left another property owing money but has no rental debt history with the credit bureaus and allows us to gain access to millions of collections records specific to multi-housing debt.

When a Collection Alert appears, even if the decision is “Accepted” or “Conditionally Accepted”, the application is DECLINED. If you have specific questions regarding this alert feature, please contact [email protected]. An example of this alert can be found on the next page of this document.

FRAUD ALERTS – you may occasionally see a Fraud Alert on credit results. If the system decision is declined, no further action is needed. Simply deny the application. If the system decision is approved or conditionally approved, follow these instructions.

Some Fraud Alerts will contain a phone number for the applicant. When a phone number is present, you must call the number to verify that you reach the applicant, even if the number is the same one on the application. Document this action.

If there is no contact information contained in the alert, make sure the full name, signature, address, and DOB on the application match perfectly to that on the government issued photo ID and document the results of this review. If there is any discrepancy in the information, contact [email protected] so that an additional review can be conducted prior to approving the application.

The following Alerts require NO ACTION. Simply proceed with the system decision:

No Record Found Tax Lien Alert Insufficient Income Credit Record less than 3 years old - There is no longer an option for an override for

credit history less than 3 years old.

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RE-SCREENING: In the past, we have included instructions for re-screening in the event the SSN was entered incorrectly or when there was a large error in monthly income. We need to discontinue re-screening due to data entry errors immediately. If you enter a SSN incorrectly, you will most likely get an SSN Alert and in that case, follow the steps outlined above. If you enter the income incorrectly, contact [email protected] guidance but do NOT rescreen. Any time an applicant is rescreened when any changes have been entered into the system (SSN, address, income, etc.), you will be charged for another report and you could cause another inquiry to hit the consumer credit report of that applicant.

Criminal Reports

Criminal data is not tied to SSN. The qualifying factors are first, middle, and last name, and date of birth. It is quite possible for there to be 2 Tom Smith’s born on the same day so you should always make sure to check the identifying criteria shown on the results page. At any time an applicant questions a criminal decision or if you are unclear if the record belongs to your applicant, contact [email protected] so that the back-up data can be reviewed and verified.

Even if credit is accepted, the criminal may not be. Make sure you check both decisions. If a record indicates ONE dismissed misdemeanor that DOES NOT fall into a drug or weapons related or

assault category, the application is eligible for an override. Overrides can only be approved by the VP of Portfolio Operations.

Do NOT accept documentation from an applicant pertaining to criminal records. If offered, politely decline the documentation and reiterate that the applicant should contact the # on the Adverse Action letter for further action.

When processing an application, if you receive an “unable to assess” response, it could be that a statewide search is not available in that state, that the consumer has placed a freeze on their credit file due to fraudulent activity or that pertinent information was not entered correctly. Please contact [email protected] for directions on how to proceed.

Most results are available within moments of submittal. However, additional delays may occur in some states and Puerto Rico. These delays can be up to several weeks. NEVER allow an applicant to move-in UNTIL THE REPORT is FULLY PROCESSED!

Additionally, the NC AOC (Administrative Office of Courts) changed the way that they report data. Criminal cases filed after 3/9/2011 no longer contain specific offense information (i.e. charge type, disposition details, etc….)

Since our system is setup to process the criminal reports using a Multi-State Report, applicants who have an arrest after 3/9/2011 will show as “Pending” in the system while a secondary search is made for details on the records found. The secondary search will happen automatically in the system – there is no action needed on your part. This additional search will only be required if records are found that date 3/9/11 or later. This additional search process may take from 1-2 hours and could take as long as 12-24 hours

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depending on the volume of information and nature of the record. There is unfortunately nothing we can do to speed this process up and we simply cannot approve an application until the results are returned. We have set all user accounts so that you will receive an email when the delayed results are available.

If the word “Partial” shows up in the menu then that means the state you requested is not instant and will be returned in a few hours.

If the report comes back stating "ACCEPT," then there is no criminal information found on this individual and you may proceed with approving the application.

If the Report comes back indicating a “RECORD FOUND” that means the system has located a record that may belong to your applicant and that record does not meet our criteria.

When this occurs, you must review the identifying information contained on the summary page and determine if further verification is needed.

o If the identifying information contained in the summary matches all the information on the applicant, notify the applicant immediately that the application has been declined.

o If you are certain that the identifying information does not match your applicant, you may continue with the application approval (or conditional approval) as indicated on the Lease Decision Page.

o If you are uncertain if the identifying criterion matches the applicant or the applicant disputes the results, contact [email protected] for assistance.

User Warning: NEVER share your CoreLogic® SafeRent™ logon information with anyone and do not allow someone else to use your account. Access to credit bureau information is for explicit business purposes only and associates will be held solely responsible for any activity on his/her account. If FCRA, FDCPA, or FACTA issues arise, you could be held personally liable. Final The Verification of Application is to be used to facilitate the evaluation and approval of Application all applications. The Verification of Application must be filled out completely before Approval forwarding to the Community Manager for approval. The

All applications must have final approval by a manager. In the event a manager is on vacation or otherwise unavailable, the application may be approved by a Regional Manager.

Must be on Company letterhead- SAMPLE

November 9, 2009 Dear Property Manager, This letter is to serve as official notification that John Smith, VP of Marketing, has the authority to sign a residential lease on behalf of the Market Wise, Inc. In the event that there is a change in authority, I understand that it is the responsibility of Market Wise to contact you regarding such change. Mr. Smith’s contact information and date of birth is below; all correspondence in regards to this transaction may be direct to him. If you need further information, please do not hesitate to contact me at 704-555-9876. Sincerely, Must have an original signature or be notarized Paul Jones (person signing the letter CANNOT be the same person as the person who signs the application and lease.) President John Smith DOB: 14/17/1972 MarketWise, Inc. 654 Black Street Anywhere, NC 28111 704-555-1234 office. 704-555-4567 fax 704-555-6543 Cell

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Criminal Criteria for Corporate Leases Each occupant over the age of 17 residing in a corporate apartment at any Blue Ridge Community must pass a criminal background check. Occupant information must be furnished in writing by the Corporate Lessee and the results of the criminal background check must be approved prior to the occupant being given access to the apartment. No exceptions will be made. Occupants who take possession of the apartment through the 3rd party corporate company who do not comply with this requirement will be asked to vacate immediately. Failure to comply with this requirement will result in termination of the lease and any action necessary to enforce the termination will be taken. Our Criminal Background checks are processed using a sophisticated criminal decision system that objectively categorizes criminal records based on offense type and disposition. Decisions are returned automatically based on predetermined criteria established by our senior management team. Some examples for exclusions include, but are not limited to, felony convictions for crimes against persons, property or society including sexual offenses and drug related offenses, as well as drug, assault, and weapons related charges and some other misdemeanor charges. Note to corporate lessee: a copy of this notice MUST be given to each applicant/occupant at the time of securing a lease at a Blue Ridge Community. If you have questions, contact the property manager.

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