New User Agreement What type of screening do you conduct?*Tenant ScreeningEmployment ScreeningPet Sitter Background ChecksVolunteer ScreeningCompany Name*Property Name (if applicable)Please list the name of the apartments you manage.Contact* First Last User Phone Number*User Email Address (your email address)* Authorized Manager/Supervisor Name* First Last Supervisor Phone*Supervisor Email - REQUIRED*Supervisor/Manager will be emailed for approval.I have read, acknowledged, and agree to the terms and conditions of the Access Security Requirements. I have executed this agreement on this date with the intent of being legally bound thereby.* Electronic Signature*Signing this application (electronic or otherwise) indicates that new user has had the opportunity to review the Access Security Requirements listed below (and available upon request).Credit Bureau and FCRA Requirements for Tenant Screening: Upon signing this document, the User certifies they have read, acknowledges, agrees and understands the responsibilities listed below. The User understands that their permissible purpose under the FCRA is only for: Resident Screening: Using the Consumer Report Information for a legitimate business need in connection with a business transaction initiated in writing by the Consumer, which must be limited to applicant screening for residency purpose User certifies that it will request consumer reports pursuant to procedures prescribed by ACUTRAQ from time to time only for the permissible purpose certified above, and will use the reports obtained for no other purpose. PROHIBITION: Users will not act or provide, at any time or in any way, and will not represent themselves as providing credit clinic, credit repair, credit counseling, or other similar services. USE OF REPORTS: User shall use each consumer report for a one-time use only and shall hold the report in strict confidence, and at no time disclose to any third parties. User may, but is not required to, disclose information on the report to the subject of the report. Must provide report only in connection with an adverse action based on the report. CREDIT SCORES: User will request Scores only for User’s exclusive use. User may store Scores solely for User’s own use in furtherance of User’s original purpose for obtaining the Scores. All Scores provided here under will be held in strict confidence and may never be sold, licenses, copied, reused, disclosed, reproduced, revealed or made accessible, in whole or in part. AUTHORIZED SIGNATURES: At no time shall User request Consumer reports without written authorization from the subject of the Consumer report. AUTHORIZED USERS:. Client shall ensure that such designated and authorized employees shall not attempt to obtain any Consumer Reports on themselves, associates or other persons except in the exercise of their official duties. Consumer reports shall be requested by and disclosed to only designated authorized employees having a need to know. ADVERSE ACTION: If adverse action is taken, (denial, additional deposits, co-signer, etc.) User must inform the consumer that he/she of the nature of the adverse action and the process of obtaining a consumer report. User will be supplied with a sample letter by ACUTRAQ on the web site. FCRA PENALTIES: THE FCRA PROVIDES THAT 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, OR IMPRISONED NOT MORE THAN TWO YEARS, OR BOTH. ACCESS SECURITY REQUIREMENTS: Please Read Carefully *Must be signed and returned by all users who are issued a username and password and approved by management.* We must work together to protect the privacy of consumers. The following measures are designed to reduce unauthorized access of consumer credit reports. In accessing ACUTRAQ services, you agree to strictly follow these measures: You must protect your ACUTRAQ USER ID and password so that you have access to this sensitive informa No one should ever have knowledge of your password but you. Do not post this information in any manner within your facility. If a person who knows the password leaves your company or no longer should have access due to a change in duties, the password should be changed immediately. Do not share passwords with co-workers, friends, or family. Do not discuss your ACUTRAQ USER ID and password by telephone with any caller, even if the caller claims to be an employee of ACUTRAQ. After normal business hours, be sure to turn off and lock all devices or systems used to obtain report informa Secure hard copies and/or electronic files of consumer reports within your facility so that unauthorized persons cannot easily access the Shred or destroy all hard copy consumer reports when no longer neede Your company can access credit, and other report information only for the permissible purposes listed in the Permissible Purpose Information section of your membership applica You may not access your own report, nor should you or other employees access the report of a family member or friend unless it is in connection with a credit transaction or for the specific permissible purpose. Do not send sensitive data through email, such as consumer’s SSN, account numbers, actual credit reports, etc. unless data is encrypte If you see something compromised in the system, notify ACUTRAQ immediately and take necessary steps to ensure no other credit reports are accessed using the compromised syste Record Retention:. In keeping with the and FCRA, ACUTRAQ requires that you retain the credit application and, if applicable, a lease contract for a period of not less than 5 year When conducting an investigation, particularly following a consumer complaint that your company impermissibly accessed their credit report, ACUTRAQ will contact you and will request a copy of the original application signed by the consumer or, if applicable, a copy of the lease/employment contract. “Under Section 621 (a) (2) (A) of the FCRA, any person that violates any of the provisions of the FCRA may be liable for a civil penalty of not more than $2,500 per violation.”ACCESS SECURITY REQUIREMENTS OBLIGATIONS OF USERS WHEN CONSUMER REPORTS ARE OBTAINED FOR EMPLOYMENT SERVICES. If information from a Credit Reporting Agency (CRA) is used for employment purposes, the user has specific duties, which are set forth in Section 604(b) of the Fair Credit Reporting Act (FCRA). The User must: Make clear and conspicuous written disclosure to the consumer before the report is obtained, in a document that consists solely of the disclosure, that a consumer report may be obtained. Obtain prior written authorization from the consumer. Certify to the CRA that the above steps have been followed, that the information being obtained will not be used in violation of any federal or state equal opportunity law or regulation and that, if any adverse action is taken based on the consumer report, a copy of the report and a summary of the consumer’s rights will be provided to the consumer. Adverse Action*An “adverse action” is defined as a denial of employment or any other decision that adversely impacts any current or prospective employee (e.g., termination, denial of promotion, failure to hire, etc.). Step 1. Provide Applicant Pre-Adverse Action Documents If a consumer report provides information that will negatively influence the employment opportunities of an applicant, whether in whole or in part, you must do all of the following BEFORE such an adverse action (rejecting the candidate) is taken: A. Provide the applicant with a copy of the specific consumer report; and B. Provide the applicant a description in writing of their rights under the Fair Credit Reporting Act (FCRA) as prescribed by the FCRA by the Federal Trade Commission (FTC). This pre-adverse action process allows the applicant the chance to dispute the negative information in the report. The employer should allow a reasonable amount of time for the applicant to respond to this pre-adverse notification before final determination is made or adverse action is taken. (There is an FTC opinion letter that deems 5 days as reasonable). Step 2. Notify Applicant of Adverse Action (Rejection) After the waiting period and upon taking the adverse action adverse action (such as not employing the applicant), based in whole or in part on the information revealed in the consumer report, employer must provide to the applicant or employee in writing, orally or electronically (ACUTRAQ recommends written documentation): the following notices: 1) notice of the adverse action taken; 2) the name, address, and toll-free telephone number of the consumer reporting agency that furnished the consumer report; 3) a statement that the CRA did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken; 4) notice of the consumer’s right to obtain a free copy of the consumer report from the CRA within 60 days; and 5) notice of the consumer’s right to dispute the accuracy or completeness of any information in the consumer report furnished by the CRA. Pre-Adverse and Adverse Action letters are provided on our web platform where your reports are provided. Each applicant must be given a copy of an “Employment Report Disclosure” (attached) printed on a separate piece of paper with the foregoing regulations. NOTICE TO USERS UNDER THE FCRA: We must work together to protect the privacy of consumers. The following measures are designed to reduce unauthorized access of consumer credit reports. In accessing ACUTRAQ services, you agree to follow these measures: You must protect your ACUTRAQ USER ID and password so that only key personnel employed by your company know this sensitive information. Unauthorized persons should never have knowledge of your password. Do not post this information in any manner within your facility. If a person who knows the password leaves your company or no longer needs to have it due to a change in duties, the password should be changed immediately. Do not share passwords with co-workers, friends, or family. Do not discuss your ACUTRAQ USER ID and password by telephone with any unknown caller, even if the caller claims to be an employee of ACUTRAQ. Restrict the ability to obtain reports to a few key personnel. After normal business hours, be sure to turn off and lock all devices or systems used to obtain report information. Secure hard copies and/or electronic files of consumer reports within your facility so that unauthorized persons cannot easily access them. Shred or destroy all hard copy consumer reports when no longer needed. Make all employees aware that your company can access sensitive information only for the permissible purposes listed in the Permissible Purpose Information section of your membership application. You or your employees may not access their own reports, nor should you or your employees access the report of a family member or friend unless it is in connection with a credit transaction or for other permissible purpose. Do not send sensitive data through email, such as consumer’s SSN, account numbers, actual credit reports, etc. unless data is encrypted. In the event of a compromised system, notify ACUTRAQ immediately and take necessary steps to ensure no other credit reports are accessed using compromised system. Record Retention: The Federal Equal Opportunities Act states that a creditor/employer must preserve all written or recorded information connected with an application for five (5) years. In keeping with the ECOA, ACUTRAQ requires that you retain the credit/employment application and, if applicable, a lease/employment contract for a period of not less than 5 years. When conducting an investigation, particularly following a consumer complaint that your company impermissibly accessed their credit report, ACUTRAQ will contact you and will request a copy of the original application signed by the consumer or, if applicable, a copy of the lease/employment contract. “Under Section 621 (a) (2) (A) of the FCRA, any person that violates any of the provisions of the FCRA may be liable for a civil penalty of not more than $2,500 per violation.”PhoneThis field is for validation purposes and should be left unchanged.
