Adverse Action
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Adverse Action (by Henry [IL]) Nov 20, 2023 12:31 PM
       Adverse Action (by razorback_tim [AR]) Nov 20, 2023 12:46 PM
       Adverse Action (by plenty [MO]) Nov 20, 2023 12:48 PM
       Adverse Action (by Jason [VA]) Nov 20, 2023 12:51 PM
       Adverse Action (by plenty [MO]) Nov 20, 2023 1:17 PM
       Adverse Action (by Vee [OH]) Nov 20, 2023 2:13 PM
       Adverse Action (by Still Learning [NH]) Nov 20, 2023 4:15 PM
       Adverse Action (by Bonanza [NC]) Nov 21, 2023 6:23 AM

Adverse Action (by Henry [IL]) Posted on: Nov 20, 2023 12:31 PM

State Specific Question About: ILLINOIS (IL)

How does a landlord write an Adverse Action Notice.

Three perspective tenants sent in credit applications with a fee for the Credit Bureau. According to Trans Union, the first of the three had submitted an incomplete credit application. This was after Trans Union requested more information from the first candidate. Another candidate a credit score below my 650 requirement. The third candidate is stellar.

I had to decline them as an entity.

I notified Trans Union that I will not be accepting the group as candidates. Trans Union stated I may have to send them an Adverse Action Notice.

What has to be in the Adverse Action Notice before I send it?



Adverse Action (by razorback_tim [AR]) Posted on: Nov 20, 2023 12:46 PM

TransUnion should provide a template for you to use.

Adverse Action (by plenty [MO]) Posted on: Nov 20, 2023 12:48 PM

The company that ran the credit reports for you should provide you a letter to send each rejection. It's not a bad thing as the person can obtain a free credit report from them. You should not provide the credit report just the letter.

Adverse Action (by Jason [VA]) Posted on: Nov 20, 2023 12:51 PM

Dont you mean that you turned them down for another non-credit related item?

Adverse Action (by plenty [MO]) Posted on: Nov 20, 2023 1:17 PM

If you ran a credit report and rejected for any reason send the letter.

Adverse Action (by Vee [OH]) Posted on: Nov 20, 2023 2:13 PM

Letter of denial, if they would not pass why bother continuing dialog with them? You should have this in your property folder for each address, add name and date as needed, I am getting only denials this time of year, no moving funds but a new job next week, I would rather take a walk and enjoy the autumn colors.

Adverse Action (by Still Learning [NH]) Posted on: Nov 20, 2023 4:15 PM

I run credit through the Mr. Landlord site. When I deny there is a button for me to push which generates the adverse action letter I can mail.

Adverse Action (by Bonanza [NC]) Posted on: Nov 21, 2023 6:23 AM

I don't know how well this will cut and paste into this forum but here is the letter I use. It came from a mish mash of the Mr LL credit check site and my current credit check site and my application criteria. Obviously you'd have to put the correct info into your letter from whichever service you used to check their credit.

As far as some who never deny based on credit? Why. It is a valid reason. All I do is print and mail a letter when their credit is below par. It's not hard or scary. It's just a part of the business.

Where it says Application criteria I'd send a similar letter without the credit info for any of the other 6 disqualify categories.


Thank you for your recent application to rent one of our homes. We regret to inform you that the application you submitted has been denied for one or more of the following reasons within the following categories:

Application Criteria Section 3 Credit History

Could not be verified with Name and/or SS# provided / Unsatisfactory payment history

Collection activity, Bankruptcy, Bad debts, or Negative accounts / High debt to income

FICO credit score too low - Applicant 1 ____ / Applicant 2 ____

This decision was based in whole or in part on the information provided to us in a Consumer Report prepared on our behalf by a consumerreporting agency. Their mailing address and phone number are listed below:

Credit Reports Provided By:

Starpoint Screening/The LIG Group

520 E Zaragoza

Pensacola, FL 32502

(V) 8773302444

(F) 8773492175 Criminal & Eviction Reports Provided by:

CIC Consumer Relations

42913 Capital Drive, Unit 101,

Lancaster, CA 93535

(V) (800) 288-4757 Option 5

(F) (888) 797-2254

The vendors listed above play no part in the decision to take any action on your rental application and are unable to provide you with specific reason(s) for our action.

You have certain rights under FCRA and state law concerning your consumer report. You have the right to a disclosure of the information in your consumer file from any of the agencies above or from any other consumer reporting agency that compiles and maintains files on consumers on a nationwide basis if you make written request to them and upon your proper identification within 60 days of receiving this denial. You are entitled to a free copy of your consumer report. You have the right to directly dispute with the consumer reporting agency the accuracy and completeness of any information furnished by that agency and to provide a consumer statement describing your position if you dispute the information in your consumer file. If you believe the information in your consumer file is inaccurate or incomplete, you may call the consumer reporting agencies at their toll-free number listed above, or write them at the listed address.

This notice has been mailed via USPS and sent via Email. Best wishes on your future home search.


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