In order for an agent to obtain potential renter Consumer data from a credit bureau, the renter must allow the release of their data. A renter completes the required steps, agrees to terms and confirms whom they will be sharing their Consumer file with, then pays to submit.
After submission, a potential renter is required to pass the credit bureau's authentication/identity verification. When the renter successfully passes authentication, Consumer results will be immediately available to both the agent and the renter.
This article describes possible reasons why the results may not contain a credit score:
This article provides details and next steps for the following:
- Dash (–)
- Authentication required
- Pending (Yellow)
- Warning (Red)
- Report Off
- No record
- Not Enough Data
- Not Applicable
- Excessive Data
Dash (–)
The potential renter has not paid and submitted their application. The renter should log back into their account to complete the steps through payment.
Only after an application has been paid will the Consumer's credit and background reports be requested.
Learn more about the Household or Group Process: Co-Occupant/Roommate, Co-Applicant/Guarantor
When viewing a file with more than one renter, Roommate or Guarantor, after the first renter/Primary has submitted, an agent is able to also see associated incomplete co-applicants.
The status will say Pending, and instead of a score, there is a dash.
Authentication required
After submission, a potential renter is required to pass the credit bureau's authentication/identity verification. The authentication may vary, consisting of a One-Time Password or a questionnaire.
A potential renter should understand their Consumer history to successfully complete the authentication.
NOTE: The authentication/identity verification is a security step provided by the credit bureau. Intellirent does not manage or maintain questions or answers.
Pending
The authentication requirement is incomplete, and the renter may actively be attempting to pass the credit bureau's identity verification. The renter should follow the steps presented to them on their screen.
Warning
The authentication requirement is incomplete, and the renter has too many failed attempts.
For security reasons a renter is limited in the number of times they are allowed to attempt the credit bureau's identity verification. The renter can return after 24 hours to try again.
IMPORTANT: Intellirent does not manage or maintain questions or answers associated with the credit bureau's authentication/identity verification. The security step is directly provided by the credit bureau.
As a security step, it is expected that a potential renter understand their Consumer history to successfully complete the authentication.
No record
An Experian Consumer record was not found for the data provided by the renter.
The potential renter may have incorrectly entered or did not provide enough data when completing their Personal Information. Therefore, Experian could not find a Consumer record in their database.
Review the Application process for Renters here.
To mitigate the potential issue, the renter should login to review their submitted data.
Common invalid data entries include,
- Invalid Social Security Numbers (e.g. mistyped SSNs)
- Incomplete or invalid address (as a reminder, the current address field must always be that of a US address)
- Incorrectly formatted full names, (full first and last name are required, middle names are optional)
According to the Experian Credit Bureau,
*Under FTC, clients are obligated to collect and provide accurate and complete information for identifying a consumer when pulling a credit report. The identifying information is used to search a reference repository for possible candidate “consumer” records, and then matches the input consumer identification data elements to the corresponding elements on the database to determine if there is a sufficient match to qualify the consumer. Therefore, the more complete and accurate identifying information provided on an inquiry by the client strengthening the match logic. Our system can provide credit report based upon minimal data, but in all cases, unless the provided information is a unique match to a consumer on our file, we will not return a report (a no hit will be returned). This is to accommodate FTC standards for protecting consumer privacy and ensuring that we are not delivering a credit information without permissible purpose.
*Experian uses a search and match engine for retrieving and loading consumer data onto the File One℠ Consumer Credit Database. The specific search and match algorithms used to retrieve a consumer record utilizes the key components of the consumer name and address along with any additionally provided information such as Social Security Number, telephone number, birth date, and/or driver’s license. The combination of name, address, Social Security Number are generally unique identifiers for a specific consumer and the architecture of the File One℠ database allows for the uniqueness of the data to be identified and used in the matching evaluation. However, the unique identity of a consumer is often complicated by human behavioral factors like misspellings, data-entry errors, etc. For this reason, Experian (and other credit reporting companies) use algorithms to assist in identifying logical variations of a consumer identity which complicate the matching process but also add flexibility in identifying a consumer across user applications and over time
Report Off
In response to the California SB-267 when enabled, if a potential renter identifies that they receive a government rent subsidy, and they request that their credit history is not considered during the screening process, after submission, an agent will see the Report Off icon in place of a credit score.
Although the credit history report and score are not present, upon submission, the potential renter will still be required to complete the identity verification and the agent will receive any housing court records (eviction), and/or criminal records, when applicable.
When clicking on the report off icon, the agent will navigate to the credit history section of the Renter Resume as normal, however, since no score or credit history details will be present, the agent will see an empty state message.
The agent can scroll or use the left navigation bar to view background reports when present.
Not Enough Data
The potential renter does not have enough credit history for Experian to generate a credit score.
Not Enough Data is a typical result for a Consumer that is just starting to build their credit history.
- An agent should check the renter's date of birth.
- An agent should understand if the renter has a newly issued social security number.
The credit report may have additional identifiers reported to the bureau such as a previous address or employment. Clicking on Not Enough Data will take you to the full report results to view all personal data on the Consumer's credit bureau record.
Not Applicable
The credit bureau has identified this Consumer as deceased.
An agent may consider asking the potential renter to log back into their application to review the Personal Information data they submitted for in accuracies.
Excessive Data
A Vantage score cannot be generated because the Consumer's record has too much data.
An agent may consider asking the potential renter to log back into their application to review the Personal Information data they submitted for in accuracies.
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