The Fair Credit Reporting Act requires landlords to disclose specified information when they use a credit report and rely on it when denying a tenant's application or accepting it with conditions. These disclosures are known as "adverse action letters," and one such letter ("Notice of Denial Based on Credit Report or Other Information") is included in "Every Landlord's Guide to Finding Great Tenants."
As of July 21, 2011, landlords must disclose an additional piece of information: If the credit report includes a credit score that the landlord used when making the decision, the adverse action letter must include this score. (Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.)
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