Landlords may receive the TransUnion Full Credit Report without uploading permissible purpose documentation due to the fact that with this report, applicants directly authorize the release of their information. A full credit report cannot be released without direct authorization from the individual whom the report is regarding. This is a requirement set forth by the credit bureaus to ensure consumer protection and prevent identity theft. Could you imagine a world where anyone could obtain your full credit file without your direct consent?!
The Credit Decision Report provides the most credit information that is allowed without having direct tenant involvement; however, this information can only be collected when documentation proving permissible purpose is approved by us here at RentPrep.