Understanding the FCRA
The Fair Credit Reporting Act (FCRA) provides regulation around who and when information about you can be utilized. Generally speaking, when a credit, tenant, business or employment screening decision is being made about you, the entity receiving your information must provide you with two things: 1) notice that they will be accessing your public or private record information; and 2) disclosure on where they received this information if an adverse decision is made. Entities that provide this information to such parties as employers, landlords and mortgage brokers, amongst others, are known as Consumer Reporting Agencies or CRAs.
According to the laws of the Fair Credit Reporting Act (FCRA), NeighborWho is not a consumer reporting agency. This means there are a number of restrictions in the way you can use NeighborWho. Below is just a brief summary of some of these restrictions. We encourage you to educate yourself on FCRA.
Using NeighborWho information in these ways violates both our Terms & Conditions and the law, and can lead to possible criminal penalties. We take this very seriously, and reserve the right to terminate user accounts and/or report violators to law enforcement as appropriate.