What If my Application is not Approved?
In the event of Adverse Action (denial of tenancy, cosigner or increased deposit required) you have the right to a FREE copy of the background check processed by Orca Information, Inc. You also have the right to dispute the accuracy of any information therein.
Do not ask the Property Manager for a copy of the background check. They are unable to give you a copy (Fair Credit Reporting Act). Upon Adverse Action the Property Manager will give you the Consumer Rights Letter. This letter describes in detail how you may obtain a free copy of the background check. You have the right to obtain a FREE copy of your credit report each year from every credit bureau. For a FREE copy log onto: www.annualcreditreport.com Orca Information obtains credit reports from Trans Union.