Dec/090
Criminal Background Online – Landlords, How To Properly Screen A New Tenant by Martin Max
Did you know that in a brief survey I've found that 9 out of 10 landlords do not properly screen their new tenants? Granted, the term "properly" is somewhat arbitrary. Here's how I define a proper tenant screen.
First and foremost it's absolutely vital you know the criminal history of your new tenants. Do you want the liability of renting to a convicted felon in your property? A proper background screen will give you address history for your new tenant, which is good for verifying the legitimacy of their application as well as knowing just where to run criminal background reports on. Did you know the typical "nationwide" criminal report is simply a compilation of that particular screening agencies information? More often than not it seems, those nationwide reports do not include any records. That's why you see "no data for subject" so often when running them. For this reason it is absolutely vital to run the background reports based on the address history of the subject.
The second thing I want to know is has this tenant ever had any judgments, liens, or bankruptcies. If they rented in the past and defaulted or caused a hardship on a previous landlord they most likely have a judgment against them if the landlord turned them into any form of collection. If bankruptcies or liens show up in the tenant history it also gives a good example of how responsible they have been with their bills in the past as well.
There are a couple really cheap supplemental reports which are optional, but often a good idea. Performing a SSN validation usually only costs a couple dollars and confirms this person is who they say they are. A good SSN validation will also include complete address history. You can also search the federal government maintained terrorist database if you are so inclined.
Running a credit report used to be on my list of must have reports; however, rules have recently changed which prevent private landlords from running credit reports. If you have the ability, I find verifying a tenant's current bills, including their new rent payment, vs their income is useful to see if they can afford to rent.
So why is it that 90% of landlords aren't properly screening their tenants? It usually boils down to choosing the wrong screening vendor, or product. From my research, most landlords run what is usually referred to as a "nationwide criminal" report because it sounds like it searches the whole country, and usually is fairly cheap. The unfortunate part is, these reports often do not do an exhaustive search of every state's records and therefore do not have complete or accurate results. They more often than not are very old databases as well. It is vital to know your tenant's address history so you can choose the correct databases to search.
The second important thing to know is if the records you received valid. If you receive a hit on a statewide search, it is absolutely critical to check with the county in which the record originated to ensure validity. In fact, a landlords use of non-public information is dependant on this step. You must verify a record with the county prior to using the information as a basis for rejecting an application. Your screening agent should be able to do this for you.
Finally, one last critical point to address. Run background reports on every applicant. This includes husband, wife, roommates, co-signers and anyone over the age of 18 who is going to be living in the household. Most landlord charge an application fee per-person to cover these expenses. It is completely expected nowadays.
About The Author
Martin Max develops property management software which includes integrated inexpensive and easy to use tenant screening capabilities including a nationwide super search, comprehensive state searches, address history search, ssn verification, judgment, liens and bankruptcy searches, and direct county queries.
When you have discovered yourself interested in this article, it is possible that you are trying to search for a method to acquire criminal background checks from more than a few absolutely free of charge internet sites. You may be almost certainly beginning to consider that this search is pointless. My job is that of a confidential researcher, and therefore, I conduct criminal background checks practically on a daily basis; I will collect freely available facts. I have conducted investigations on the so called "free" background check services obtainable on the internet, and am able to guarantee you that the records they provide you with are not even worth the time to search.
What's the reason for it to be crucial to buy criminal facts which are unrestricted?
It's true that countless agencies really should furnish criminal data to anybody who requests them for free. If you actually want to get your hands on the information, you will not only have to spend the time and track them down, but you will also have to travel to the office where those files are held. This is still not a no cost service, seeing that you will be charged a fee for each and every replica you get. Knowing this, you may conclude that it is going to be a lot easier to acquire criminal records on the internet, eliminating the time and money you will use up otherwise. That choice is yours to make, nevertheless I do prefer to offer you the process which I have come to the conclusion to be of the greatest help.
What is, in my opinion the best process?
Yes it's true, you need to pay a fee for on the internet criminal background check services to cover the effort of finding, getting hands on, and centralizing all the evidence in the service providers file. Then again, when you dwell on it, it is well worth the cost for the level of convenience it provides. Keep in mind, utilizing a no charge service for a criminal background check can leave you empty handed when it comes to comprehensive or exact data. You may even be absolutely deceived. Consequently, if you possess a clear-cut need for correct and comprehensive records about a person's criminal background, take my guidance, subscribe to a very good online service that's well worth the cash you have to expend.
Don't ignore your gut feeling! You can do a Online Criminal Background Check on anyone for any reason. Just use an online database of Public Records
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