Rental Services, Inc. September Newsletter
This month’s RSI
Newsletter features a review for Users of Consumer Reports, advertising and
Fair Housing and a discussion about who’s application is it!
Notice to Users of Consumer Reports
Did you know the Fair
Credit Reporting Act requires users of Consumer Reports to follow specific
rules and guidelines?
When you originally setup
your account with Rental Services, Inc. you signed the RSI Service Agreement as
part of the setup process. Section 8 of this agreement acknowledges that you
have read and understand your obligations under the FCRA. Section 8 specifically
addresses a document titled Notice to Users of Consumer Reports: Obligations of
Users Under the FCRA. If you’re not familiar with this document I recommend giving
it a quick read at: Notice
To Users Of Consumer Reports
A few highlights of
the document include:
Users must have a
permissible purpose to access someone’s credit file.
If you decide to take
an adverse action toward the applicant based on the consumer report, you must
notify the applicant in writing. Adverse Action notices can be printed or
emailed from the result page of the RSI website.
Users have
obligations when disposing of records.
Additional rules
apply to Users who obtain reports for employment screening.
Facebook and Fair Housing
Did you know the Housing
and Urban Development (HUD) is Suing Facebook?
Facebook provides a
software platform that per HUD, unlawfully discriminates by giving advertisers access
to adjust settings in the software that can be used to filter who can see an ad
based on race, color, religion, sex, familial status, natural origin and
disability.
The setting can be
very basic allowing the user to select a specific gender to view an ad.
More advanced
features allow you to target specific key words in searches conducted by a
user. This could be used to avoid showing ads to someone who has used search
terms, such as assistance animals, wheel chair access or handicap support
groups. Someone who is interested in these types of topics might be handicap.
The software can even
be used to show ads to certain zip codes and exclude others. This could be used
to avoid areas with minorities.
If you have used Facebook
to advertise you may have used some of these preferences. It may have seemed
logical to filter certain users and was probably not done to intentionally discriminate
against anyone. Maybe the property is close to parks and schools, so you thought
you would target people with children. Advertising to a specific zip code
around a local college and excluding other zip codes makes sense if you were
trying to target college students moving out of the dorms. However, each of
these examples could run a fowl of Fair Housing.
The Fair Housing Act
prohibits discrimination in housing transactions, including print and online
advertisement based on race, color, national origin, religion, sex, disability,
or familial status.
This article isn’t
really to point out Facebooks legal problems but to highlight the increasing scrutiny
HUD and independent legal firms are placing on advertising as it pertains to
Fair Housing.
HUD looks at discrimination
done on purpose or accidently as the same thing. To protect yourself and your
investment RSI recommends reviewing your online advertising, website and if you
still use it print media.
When using photos as
part of your advertising and social media presence it’s recommended that you
use photos that show diversity. It is best to try to use the rainbow effect. Show
diversity by including a little bit of everything. Show both gender types,
people of different races, people with disabilities, a wide range of ages, and
families with and without kids.
Review the verbiage in
your ad. Does it seem to exclude a protected class? Make sure you have rental
criteria and when denying someone for housing make sure it’s based on the criteria
and not other factors.
If your serious about
avoiding a Fair Housing complaint make sure you fully understand the Fair Housing
Act. Working with an attorney can be helpful, attending Fair Housing classes
and making sure to treat everyone the same way should keep you out of trouble.
The Who Bin
At RSI we have a
secure bin for unknow applications, we call it the Who Bin. This is a special
place for applications that we receive with no client information on the application.
On average we receive several hundred applications daily and only receive a handful
without client information.
Last week I noticed a
large stack of applications in the Who Bin. I did a quick count and was surprised
to see 41 applications with no client information. That’s 41 background checks
that clients think we are processing. I can say from experience that when these
clients call to find out why they haven’t received any results they are going
to be really upset.
Almost every client I
talk with discusses how important timeliness and accuracy are when it comes to background
checks. Accuracy is something we strive for with every report. Timeliness
requires a little help from you. If you send in an application you must include
your name/company name, level of service and if you receive the Insta-Chek
Scorecard please include the rental amount. If you have multiple people
submitting applications, they should include their name as the requestor.
Everyone at Rental
Services, Inc. wants to process your application in a timely manner. Help us
help you be successful.
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