Credit Check Consent

Effective Date: February 1, 2019
Last updated: December 19, 2023

ACKNOWLEDGEMENT AND AUTHORIZATION REGARDING BACKGROUND INVESTIGATION FAIR CREDIT REPORTING ACT DISCLOSURE AND AUTHORIZATION TO CONDUCT BACKGROUND INVESTIGATION

PLEASE REVIEW CAREFULLY BEFORE CHECKING THIS BOX FOR YOUR AUTHORIZATION

Qira Inc. may obtain information about you from a third-party consumer reporting agency. Thus, by accepting this box, you agree that you may be the subject of a “consumer report” which may contain information regarding your credit history, criminal history, social security verification, motor vehicle and driving records, verification of your education or employment history or other background checks. Credit history may be requested if such information is relevant to the Service.  The scope of this notice and authorization allows the Qira Inc. to obtain from any outside organization all manner of consumer reports now and throughout the course of your Agreement with the Qira Inc. to the fullest extent permitted by law.

ACKNOWLEDGMENT AND AUTHORIZATION

By checking this box you acknowledge receipt of this FCRA DISOLOSURE AND  AUTHORIZATION TO CONDUCT BACKGROUND INVESTIGATION and certify that you have read and understand it. You hereby authorize the obtaining of “consumer reports” by the Qira Inc. at any time after receipt of this authorization and throughout your lease, if applicable and to the extent permitted by applicable law.

  1. STATE LAW DISCLOSURES RELATED TO CONSUMER REPORTS
    California renters only: By checking this box and you also acknowledge receipt of the NOTICE REGARDING BACKGROUND INVESTIGATION PURSUANT TO CALIFORNIA LAW.By checking the box if you are stating that you would like to receive a copy of an investigative consumer report or consumer credit report at no charge if one is obtained by Qira Inc. whenever you have a right to receive such a copy under California law.

    Minnesota renters only:  By checking this box you also acknowledge that you understand that you have the right to make a request in writing to the consumer reporting agency of the nature and scope of the report, if any, and the agency is obligated to respond to your request within five days of your request for further information or of your request for the report, whichever is later. By checking the box you are stating that you would like to receive a copy of a consumer report at no charge if one is obtained by Qira Inc..

    Oklahoma renters only:  By checking this box I am stating that I would like to receive a copy of a consumer report at no charge if one is obtained by Qira Inc.

    Washington renters only: You also have the right to request from the consumer reporting agency a written summary of your rights and remedies under the Washington Fair Credit Reporting Act.

  2. NOTICE REGARDING BACKGROUND INVESTIGATION PURSUANT TO CALIFORNIA LAW
    Qira Inc. intends to screen your agent application by obtaining information about me from a consumer reporting agency.  Thus, you can expect to be the subject of “investigative consumer reports” and “consumer credit reports” obtained for purposes of approving the QIRA RENTER SECURITY DEPOSIT SERVICE AGREEMENT (the “Agreement”). Such reports may include information about your character, general reputation, personal characteristics and mode of living.  With respect to any investigative consumer report from an investigative consumer reporting agency (“ICRA”), Qira Inc. may investigate the information contained in your service application and other background information about you, including but not limited to the following: obtaining a criminal record report and verifying references, work history, your social security number, your educational achievements, licensure and certifications, your driving record, and other information about you. The results of this report may be used as a factor in making credit decisions. The source of any investigative consumer report (as that term is defined under California law) will be Experian (“Data Source”), P.O. Box 4500, Allen, TX 75013.  A copy of Data Source’s privacy policies is available online at https://www.experian.com/privacy/. Qira Inc. agrees to provide you with a copy of an investigative consumer report when required to do so under California law.Under California Civil Code § 1786.22, you are entitled to find out from an ICRA what is in the ICRA’s file on you with proper identification, as follows:

    • In person, by visual inspection of your file during normal business hours and on reasonable notice. You also may request a copy of the information in person. The ICRA may not charge you more than the actual copying costs for providing you with a copy of your file.
    • A summary of all information contained in the ICRA’s file on you that is required to be provided by the California Civil Code will be provided to you via telephone, if you have made a written request, with proper identification, for telephone disclosure, and the toll charge, if any, for the telephone call is prepaid by or charged directly to you.
    • By requesting that a copy be sent to a specified addressee by certified mail. ICRAs complying with requests for certified mailings shall not be liable for disclosures to third parties caused by mishandling of mail after such mailings leave the ICRAs.

    Proper Identification” includes documents such as a valid driver’s license, social security account number, military identification card, and credit cards. Only if you cannot identify yourself with such information may the ICRA require additional information concerning your employment and personal or family history in order to verify your identity.

    The ICRA will provide trained personnel to explain any information furnished to you and will provide a written explanation of any coded information contained in files maintained on you. This written explanation will be provided whenever a file is provided to you for visual inspection.

    You may be accompanied by one other person of your choosing, who must furnish reasonable identification. An ICRA may require me to furnish a written statement granting permission to the ICRA to discuss my file in such person’s presence.

A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

  • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information.
  • You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
    • a person has taken adverse action against you because of information in your credit report;
    • you are the victim of identity theft and place a fraud alert in your file;
    • your file contains inaccurate information as a result of fraud;
    • you are on public assistance;
    • you are unemployed but expect to apply for employment within 60 days.

In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.

  • You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
  • You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
  • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
  • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
  • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need — usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
  • You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore.
  • You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address form the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
  • The following FCRA right applies with respect to nationwide consumer reporting agencies:

Consumers Have the Right to Obtain a Security Freeze

You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.

As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.

  • You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
  • Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfinance.gov/learnmore.