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.
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 Individual 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:
Credit
Employment
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.
