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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 and Reporting Act (FCRA), NeighborWho is not a consumer reporting agency. This means there 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. NeighborWho was built for the everyday consumer to have the same access to this information, both in order to lookup their own properties and those of others, which Consumer Reporting Agencies have been providing to companies for years.

You are restricted from using NeighborWho for:

Credit or Insurance

Assessing the risk of existing credit obligations of an individual

Determining eligibility for issuing credit or insurance

Tenant Screening

Including, but not limited to, leasing a residential or commercial space

Business Transactions Initiated by an Inpidual Customer

Reviewing a personal customer account to determine whether the person continues to meet the terms of the account

Educational Qualification

Including, but not limited to, a person’s qualifications for an educational program or scholarship

Employment

Determining suitability for employment, contract work or the like--You may NOT use NeighborWho when evaluating a person for employment, reassignment, promotion, retention or similar opportunities.

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.


For Access to a Consumer Reporting Agency, Visit:

Note: NeighborWho has no affiliation with any of these services and recommends them as a courtesy.

Have questions or still unsure?

Take a look at our Common Use Cases. By using NeighborWho, you agree to our Terms of Service. To understand how NeighborWho protects the privacy of its users, please visit our Privacy FAQ.