(Date)
Applicant Name Address
Thank you for your recent application. Your request for a leasing agreement was carefully considered and we regret that we are unable to approve your application at this time for the following reason(s).
Credit history unsatisfactory Fraud Alert
Our decision was based in whole or in part on information obtained in a report from the consumer reporting agencies listed below. These consumer reporting agencies played no part in our decision and are unable to supply specific reasons for our decision on your application.
You have the right, under the Fair Credit Reporting Act, to know the information contained in your file at the consumer reporting agencies. You also have the right to a free copy of your report from each consumer reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the respective consumer reporting agency.
Equifax P.O. Box 105873 Atlanta, Georgia 30348 (800) 685-1111
RealPage, Inc. 4000 International Parkway Carrollton, Texas 75007 (866) 934-1124
Please be advised that ‘Fraud Alert’ may mean that you have placed a fraud alert on your credit file and the national credit bureau that reported the information (listed below) has reported this to us. If you have not requested a fraud alert with the bureau, then there was some discrepancy in the information you provided at the time of the application.
We also obtained your credit score from Equifax and used it as a factor in our decision, individually or as a group average of the scores of all applicants in your group application. Please note that due to privacy concerns, we, and the consumer reporting agencies listed above, are unable to provide you with your co-applicant’s credit score, or any information related to his or her credit score. Your credit score is anumber that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes.
Your credit Score: XXX Date: Scores range from a low of 350 to a high of 850 Key factors that adversely affected your credit score: Serious delinquency and derogatory public record or collection filed Number of accounts with delinquencies Time since delinquency is too recent or unknown Length of time accounts have been established THE NUMBER OF INQUIRIES ON FILE ADVERSELY AFFECTED THE SCORE
In addition, we obtained your Leasing Desk Score from our screening provider, RealPage, Inc., and used it as a factor in our decision, individually or as a group average of the LeasingDesk Scores of all applicants in your group application. Please note that due to privacy concerns, we and RealPage, Inc. are unable to provide youwith your co-applicant’s LeasingDesk Score, or any information related to his or her LeasingDesk Score. Your LeasingDesk Score is set forth below.
Your LeasingDesk Score: XXX Scores range from a low of 0 to a high of 1000 Key factors that adversely affected your LeasingDesk score:
Trading Scoring Fico
Rent-to-Income Ratio Debt Collection
Sincerely,
Apartment Name