Tenant Evaluation LLC runs a soft-hit credit inquiry with either TransUnion FICO Score 4 algorithm OR Equifax FICO Score 8 algorithm, which is standard in the lending industry. Most of the time when realtors/applicants run their own credit, they use a different bureau and/or Scoring algorithm, which will be the reason for the score being different.


Please note that we can not guarantee the score and re-running the credit may lower the score.


The credit scores that are pulled from online websites (such as freecreditreports.com, CreditKarma, CreditWise, etc.) use a different algorithm from what is standard. These credit reports are "consumer-based" reports instead of "business model-based” reports pulled by lenders, such as mortgage and auto industries.


Websites such as the Plus Score or VantageScore or ResidentScore use a different scoring algorithm instead of the FICO. In order to compare apples to apples, the applicant will need to pull the same credit report that we did and make sure all of the information is accurate. Please remember that credit scores may not change too much within a small period of time, as each lender (CreditCard, Auto loan, Mortgage, etc) sends information about payments or new accounts to the credit bureaus once a month.


**We are unable to change/edit the information reported, as the record and score come directly from the credit bureau. The applicant can contact (TransUnion/Equifax) directly in regard to any questions or updates needed.



Please note that Tenant Evaluation does not make approval decisions on any application. If you have questions about your approval decision, please contact the Association/Condominium directly.


How do I re-run my credit?


In order to re-run either your TransUnion or Equifax credit, please complete the below Dispute link requesting specifically that you want Tenant Evaluation to proceed with reopening & re-running your credit. The system will only allow us to reopen the application 30 days from the original closed date. Please note that we can not guarantee the score and re-running the credit may lower the score.


Keep in mind, an extra fee may incur & additional information may be requested to confirm identity before re-running a credit. Only the applicant can request their own credit to be re-run. Once received, Tenant Evaluation will begin the disclosure process to investigate the consumer report. Processing time is a minimum of 48 business hours from the submission date.


**We are unable to change/edit the information reported, as the record and score come directly from the credit bureau. The applicant can contact (TransUnion/Equifax) directly in regard to any questions or updates needed.



    

    STEP #1: Go to https://tenantevaluation.ai/disputes/


    STEP #2: Complete the questionnaire


    STEP #3: E-Sign, Confirm your Signature & Submit the Form