Click on the question to see the answer.
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1. Is there a membership fee for Quick Check?
There are no membership fees with Quick Check. There is no minimum. You may order reports when and if you need them.
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2. Why do you need so much of my information just to have access to pull credit reports?
Because you are applying for access to highly sensitive and extremely confidential information, such as what is on a credit report, we are legally required to verify your identity and that you have proper "permissible purpose" under FCRA law to view other people's credit information. Once activated, you will be legally and contractually obligated to obtain written authorization for each credit report in addition to operating according to FCRA guidelines. Your private information will be used only for the verification of your identity and account activation purposes. It will be treated as highly confidential, kept extremely secure and will not be shared with any outside parties. |
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3. I have login problems. How should I proceed?
If you are unable to log in at Quick Check Credit Reports Log In ( https://quickcheckcredit.instascreen.net/login/form.taz ), you can get log in help or email us at info@quickcheckcredit.com to request a reset of your log in information. |
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4. Do I have to pay for an annual FCRA Compliance course?
No. Although it is important to be educated on FCRA compliance if you are accessing consumer reports, we do not require you to pay us for information we are glad to provide to you for free. See our articles page.
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5. What is a site inspection and how much will it cost? *
A tax deductible site inspection is required for all End Users who will be accessing full credit reports including private landlords, Real Estate Offices, property management firms and certain home based businesses to ensure that information is maintained in a secure environment, and verify the existence and legitimacy and permissible purpose of the company/end user.
A licensed inspector, approved by the major credit bureaus, visits your home to verify the following:
(1) your identity—that is verify your name, address, and that the documentation that you provided to us is accurate and legitimate
(2) that the consumer credit files will be pulled from a safe and secure location as well as stored and/or disposed of properly (password protected computer, locked file cabinet, shredder, etc)
(3) that you operate in a legal manner and are not operating an unauthorized business (i.e credit counseling/repair, collections, private investigator, bail bondsman, etc) The fee for a Site Inspection is $61.95. Quick Check chooses not to profit on site inspections. Quick Check saves you money and time by allowing End Users to arrange their own site inspection directly with the inspection company at the following link https://www.businessverifications.com/login.aspx?source=QuickCheckCredit .
* NO site inspection is required for individual landlords who will be accessing the Quick Check Tenant Credit Scorecard and all other reports including Criminal and Eviction checks. Each End User must meet required criteria set out by the credit bureau. (The requirements are included in our sign up form at https://thelpa.com/lpa/qc-signup.html)
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6. Do I need the tenant's written permission to get a credit report?
What else do I need from the tenant?
Yes, you must have the applicant’s written authorization explicitly for running a credit report. It is illegal to pull a credit report without the tenant's written authorization according to the FCRA (Fair Credit Reporting Act). There could be very serious ramifications if you order credit reports without written authorization. In order to enable you to have immediate access to reports 24 hours a day, 7 days a week, we do not require you to fax us the signed rental applications, but we are trusting you to adhere to FCRA law to obtain written permission on your rental application and keep it safely available in your file. You can obtain an LPA Rental Application from The LPA, which provides proper consent and authorization from the tenant to obtain a credit report. The application also requires the prospects to provide their social security number, address, date of birth, previous addresses, and much more.
To protect yourself, please see Section 619 of the Fair Credit Reporting Act. It states:
Section 619. Obtaining information under false pretenses [15 U.S.C. § 1681q]
Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than two years, or both.
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7. Do I have to use The LPA Rental Application to get a credit report or can I use my own?
We recommend the LPA Rental Application because it has proven results in the rental industry. It does more than just provide the basic information to obtain a credit report. It provides for other reference verifications, screening fees, non-refundable deposit, personal income, tenancy details and much more. But, if you have a quality rental application that contains the required ingredients to order a credit report and you prefer to use your own, that’s OK.
More about The LPA Rental Application and other tenant screening forms.
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8. I only want credit reports at low prices. Do I need to join The Landlord Protection Agency?
No. In appreciation of our affiliate relationship with The Landlord Protection Agency, and at great cost to us, we are happy to offer additional discounts to LPA members. Even without the discounts, our prices are still lower than the competition. |
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9. My office orders a lot of credit reports. Do you offer volume discounts?
Yes. Please contact us to discuss at info@QuickCheckCredit.com |
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10. Do I need special software on my computer to access credit reports?
No. All you need is a computer with internet access so you can log in with your secure username & password. You can run credit reports while traveling for business or screen tenants while on away on vacation. Isn’t technology amazing? |
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11. How do I pay?
When you complete the second part of your sign up process, we ask you to keep a credit card number on file with us to pay for your orders. You will only be charged for the reports you order and will also receive a "PAID" invoice for your records. This information is kept under lock and key. Our office has passed inspection by a credit bureau certified inspector to verify the strictest security for our confidential records. This enables the system to give you immediate access to credit reports 24 hours a day, 7 days a week.
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12. Can I make a report on my tenant's credit report?
Yes! Click here for more information about reporting a bad debt to the credit bureaus.
More to come on this subject!
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13. How reliable is the information in The National Tenant Rating Bureau - Deadbeat Database?
Extremely. To knowingly provide false information on any tenant profile is a violation of the reporting agreement and a crime. Because all reports are provided by verified and screened landlords through authorized affiliate credit bureaus and landlords with paid LPA Memberships who have agreed to the required Terms of Service, the integrity of the tenant profiles is highly reliable.
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14. Is there a form to deny an applicant's rental application?
Yes. You might want to check out the LPA’s Denial Letter & Adverse Action Notice. It is a 2 form download. The Denial Letter allows you to decline an applicant for a variety of reasons, and the Adverse Action Letter is the form needed to legally decline an application if you are declining them based on the information found in their credit report.
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15. What is a FICO Score and is it included in the credit reports?
A FICO score is included in credit reports from Quick Check. A FICO Score is a number calculated from different credit data in a credit report. The percentages of payment history, amounts owed, length of credit history, new credit, and types of credit used determine someone’s FICO score.
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16. Are Bankruptcies included in the credit report?
Yes. The credit report includes bankruptcies. If a bankruptcy occurred, it would show the date of filing and the date of discharge if it has already been discharged by the bankruptcy court.
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17. Are Judgments included in the credit report?
Yes. Judgments and civil actions are included in the credit report with the money amounts, dates and the parties (creditor or creditor’s representative) involved.
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18. Why is it important for me to order an Eviction Search with the credit report?
If you are screening possible tenants, an Eviction Search is a pretty good idea. Most people don’t realize that evictions often do not get reported onto the subject’s credit record. Even an eviction judgment, if not filed and recorded properly by the landlord will not be found by Trans Union, Experian or Equifax. An Eviction Search combs through multiple court databases for hits on the name of the tenant(s). Even if the tenant won against the landlord, an eviction search will still tell you if the tenant was in eviction court.
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19. Will I be able to understand the credit report?
Yes. The credit reports are in a format that is easy to read. Please click here to look over a sample TransUnion credit report.
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20. How can I get free credit reports on tenants?
Other than trusting prospective tenants to provide their own un-edited credit reports, we recommend you have the tenants pay you a non-refundable screening fee to cover you for your screening expenses. See LPA article How do I get FREE Credit Reports when screening tenants?
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21. Can I run a credit report on myself?
Please do not order a credit report on yourself from Quick Check Credit Reports, Inc. The credit bureaus frown on this and want you to go directly to them for free. Ordering your own Credit Report You can visit www.equifax.com www.experian.com or www.transunion.com for more information on obtaining a credit report on yourself.
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22. I don't have a separate rental property address from my home, but I am a landlord and
I rent out an apartment in my house / building. Will it be a problem for me to sign up for credit reports?
Yes, it will be a problem. The credit bureaus require us to obtain proof of the end user's "permissible purpose". That means we must be able to show the credit bureaus written proof that you own a rental property. The credit bureaus will only consider a rental property in your name at a separate address from your home.
But there is a tenant applicant assisted alternative for LPA members who choose to avoid the qualifying process of setting up a direct access account like Quick Check.
The LPA’s discounted partnership with TransUnion SmartMove
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23. How long will it take to activate my account for credit reports after I have submitted all the required documentation?
Once Quick Check receives your sign-up documentation, we immediately set up your account with credit bureau access. It can take from 1 to 24 hours, depending on volume and if you sign up after business hours. As soon as your account is activated, we send you an email with instructions.
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24. Does Quick Check provide Canadian Credit Reports?
No, currently, we do not provide Canadian Credit Checks, but are happy to recommend an excellent screening company who is also an affiliate of The Landlord Protection Agency!
Please check out TVS Tenant Verification Service .
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25. How do I know Quick Check Credit Reports is a legitimate business?
You are more than welcome to verify any of the following credentials or references:
Quick Check Credit Reports is an approved reseller and representative of the TransUnion credit bureau and has passed all site inspections and security checks. Quick Check is an affiliate of The Landlord Protection Agency. Quick Check Credit Reports, Inc. is also an approved Authorize.net merchant.
QC does not request any up front fees. Scammers usually try to solicit up front fees from you. They want your money before you find out they are not legitimate.
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26. What do the ECOA codes listed to the right of the accounts on the credit report mean?
Below the accounts section of the TransUnion credit report is the ECOA key, like below:
ECOA KEY: B = BORROWER; C = CO-BORROWER; S = SHARED; J = JOINT; U = UNDESIGNATED; A = AUTHORIZED USER
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27. How do I Read a Credit Report Step by Step?
Yes, please see our page, How to Read a Quick Check / TransUnion Credit Report
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28. My Criminal or Eviction Report said "NO RESULTS". Why didn't I get results?
The best result you can get on a criminal or eviction search is "NO RECORD FOUND" or "NO RESULTS", because that means the person you are investigating was not listed in any of the criminal or eviction databases searched. When you do get results, is when you need to verify whether or not the "results" are actually a true match for your applicant or not.
Please see our page, Understanding a National Criminal Background Check or Eviction Report.
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29. My question is not listed here. Can I email it to you for an answer?
Yes, please email us at info@QuickCheckCredit.com .
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30. What is Multi-Factor Security (MFS)?
Your privacy and account protection is a top priority. Multi-Factor Authentication is a a new layer of security to authenticate that you have authorized the computer's IP address to use the Quick Check system for secure confidential credit report access. Account Security
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31. How do I set the parameters of my Tenant Credit Decision Scorecard?
Although the pass/fail thresholds can be prepopulated with average values, they should be modified according to the specific needs of the property.
For all criteria, numeric comparisons are made using strictly greater than and less than logic. If the data point is equal to the criterion, the condition will not be met. For example, if the Credit Scores element is set to fail below 580, and the credit score is equal to 580, the resulting recommendation will be conditional, not fail. In this example, a credit score of 579 or lower is necessary to generate a fail recommendation. For a detailed explanation of each Scorecard item, please see
Configuring the Tenant Credit Decision Scorecard
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32. I am a member of The Landlord Protection Agency (The LPA). How do I find my LPA member ID # so I can get the LPA Discount on my reports?
Your LPA membership ID # is the same as your LPA membership order #. To find it, just be logged on at www.theLPA.com and go to "Your Orders" to find your membership order #. (The number will also be on your membership order receipt page.) You may also just email us to look it up for you. |
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TransUnion Credit Report Guide Download PDF with codes and definitions.
