{"id":67802,"date":"2025-08-28T05:00:57","date_gmt":"2025-08-28T12:00:57","guid":{"rendered":"https:\/\/www.turbotenant.com\/?p=67802"},"modified":"2026-01-08T08:09:30","modified_gmt":"2026-01-08T15:09:30","slug":"fcra-adverse-action-letter","status":"publish","type":"post","link":"https:\/\/www.turbotenant.com\/rental-screening\/fcra-adverse-action-letter\/","title":{"rendered":"FCRA Adverse Action Letter for Tenant Screening (Free Template)"},"content":{"rendered":"\n<div class=\"flex-content-main\">\n<div class=\"ttsf-rich-text \">\n<p>After advertising your vacant rental property and receiving applications, you might assume you\u2019re guaranteed to find a great new tenant. However, during the\u00a0<a href=\"https:\/\/www.turbotenant.com\/tenant-screening\/\">tenant background check<\/a> process, you may uncover information that leads you to deny the application or modify its terms.<\/p>\n<p>If that\u2019s the case, you\u2019ll have to send the denied applicant(s) an adverse action letter. As a requirement of the\u00a0<a href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/statutes\/fair-credit-reporting-act\" target=\"_blank\" rel=\"noopener\">Federal Credit Reporting Act<\/a>\u00a0(FCRA), these letters are essential in the rental application process. They protect you, provide transparency to the tenant, and ensure legal compliance with federal law.<\/p>\n<p>Here at TurboTenant, we\u2019ll explore everything landlords should know about FCRA adverse action letters, including when these letters are needed, what to include in them, and what happens if you don\u2019t send one. Keep reading to learn more.<\/p>\n<\/div>\n<div id=\"cta_695fc8aadae71\" class=\"cta-container\">\n<div class=\"cta-content default-content\">\n<div class=\"cta-heading\">Screen Your Tenants Online for Free<\/div>\n<div class=\"cta-text\"><\/div>\n<p>\t\t\t\t<a class=\"cta-link btnhov\" href=\"https:\/\/rental.turbotenant.com\/auth\/signup\">Sign Up Today<\/a>\n\t\t\t<\/div>\n<div class=\"cta-content landlord-content\" style=\"display:none;\">\n<div class=\"cta-heading\">Screen Your Tenants Online for Free<\/div>\n<div class=\"cta-text\"><\/div>\n<p>\t\t\t\t<a class=\"cta-link btnhov\" href=\"https:\/\/rental.turbotenant.com\/auth\/signup\">Sign Up Today<\/a>\n\t\t\t<\/div>\n<\/p><\/div>\n<p><script>\n\tdocument.addEventListener('DOMContentLoaded', function() {\n\t\tvar ctaContainer = document.getElementById('cta_695fc8aadae71');\n\t\tvar defaultContent = ctaContainer.querySelector('.default-content');\n\t\tvar landlordContent = ctaContainer.querySelector('.landlord-content');<\/p>\n<p>\t\t\/\/ Check the 'alreadyMember' cookie\n\t\tvar isLandlord = document.cookie.split('; ').find(row => row.startsWith('alreadyMember='))?.split('=')[1] === 'true';<\/p>\n<p>\t\tif (isLandlord) {\n\t\t\tdefaultContent.style.display = 'none';\n\t\t\tlandlordContent.style.display = 'flex';\n\t\t} else {\n\t\t\tdefaultContent.style.display = 'flex';\n\t\t\tlandlordContent.style.display = 'none';\n\t\t}\n\t});\n<\/script><\/p>\n<div class=\"ttsf-rich-text \">\n<h2><strong>What is an FCRA Adverse Action Letter?<\/strong><\/h2>\n<p>An FCRA adverse action letter is a document notifying an applicant that their application has been denied or that the lease terms have changed due to information uncovered in a screening report.<\/p>\n<p>In practice, FCRA adverse action letters help protect landlords against claims of discrimination, provide transparency, and give applicants a chance to address any inaccurate information in their applications.<\/p>\n<h2><strong>When Landlords Should Send an Adverse Action Letter<\/strong><\/h2>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-54096\" src=\"https:\/\/www.turbotenant.com\/wp-content\/uploads\/2024\/07\/blog_comparison.png\" alt=\"\" width=\"780\" height=\"314\" srcset=\"https:\/\/www.turbotenant.com\/wp-content\/uploads\/2024\/07\/blog_comparison.png 780w, https:\/\/www.turbotenant.com\/wp-content\/uploads\/2024\/07\/blog_comparison-300x121.png 300w, https:\/\/www.turbotenant.com\/wp-content\/uploads\/2024\/07\/blog_comparison-768x309.png 768w\" sizes=\"auto, (max-width: 780px) 100vw, 780px\" \/><\/p>\n<p>Landlords are required to send FCRA adverse action notices in the following circumstances:<\/p>\n<h3><strong>Negative Credit Report Information<\/strong><\/h3>\n<p>A\u00a0<a href=\"https:\/\/www.turbotenant.com\/rental-screening\/tenant-credit-report\/\">credit report<\/a>\u00a0is an essential component of the tenant screening process. If the credit check reveals a low credit score or a poor payment history, including overdue loan payments, landlords may deny housing or modify the lease terms after providing an FCRA adverse action notice.<\/p>\n<h3><strong>Criminal Background Check Red Flags<\/strong><\/h3>\n<p>Landlords can also deny a rental applicant or change lease terms if the criminal background check uncovers criminal information, so long as the state you\u2019re operating in has no restrictions. However, it is essential to understand that there is a significant difference between an arrest and a conviction. A number of states prohibit denials based on arrest records. Check with your local\u00a0<a href=\"https:\/\/www.turbotenant.com\/state\/\">landlord-tenant<\/a>\u00a0laws.<\/p>\n<p>An FCRA adverse action letter should specify the reason for the denial or lease change and remind tenants of their right to dispute anything found in the background check.<\/p>\n<h3><strong>Eviction History Records<\/strong><\/h3>\n<p>A\u00a0<a href=\"https:\/\/www.turbotenant.com\/rental-screening\/tenant-background-check-landlords\/\">background check<\/a>\u00a0may reveal information about previous evictions or disputes with landlords. Most states permit landlords to deny housing or alter lease terms because of an applicant\u2019s prior eviction history, but you must still inform the renter of this determination.<\/p>\n<h3><strong>Incomplete or Unverifiable Information<\/strong><\/h3>\n<p>In some cases, renters submit incomplete applications with missing details or include information that cannot be independently confirmed. An FCRA adverse action letter may provide the applicant with an opportunity to correct the record.<\/p>\n<h3><strong>Insufficient Income or Employment History<\/strong><\/h3>\n<p>Should the renter lack sufficient income or an established employment history to demonstrate the ability to\u00a0<a href=\"https:\/\/www.turbotenant.com\/rent-collection\/best-way-to-pay-rent\/\">pay rent<\/a>\u00a0on time, landlords can deny the application for housing or modify the lease to include a guarantor or co-signer.<\/p>\n<h2><strong>FCRA Requirements for Adverse Action Letters<\/strong><\/h2>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"blogicon aligncenter wp-image-55740 size-full\" src=\"https:\/\/www.turbotenant.com\/wp-content\/uploads\/2024\/07\/LeaseIcon-1.svg\" alt=\"\" width=\"272\" height=\"272\" \/><\/p>\n<p>If you\u2019re in one of the situations above and find that you have to send an adverse action letter to a rental applicant, you\u2019ll have to follow a few guidelines to ensure your letter adheres to FCRA requirements.<\/p>\n<p>Here\u2019s what you\u2019ll have to include:<\/p>\n<h3><strong>Provide the Consumer Reporting Agency\u2019s Name and Contact Info<\/strong><\/h3>\n<p>The letter should have the name, address, and phone number of the consumer reporting agency you used to generate the tenant\u2019s credit report and background check. Agencies include credit bureaus, reporting companies, and other tenant screening services.<\/p>\n<h3><strong>State The Agency Didn\u2019t Make the Decision<\/strong><\/h3>\n<p>Ensure that the tenant is aware that the reporting agency you used to run the background check didn\u2019t play a role in deciding to deny housing or change the lease terms. As the landlord, you are solely responsible for the decision and must explain this to the renter.<\/p>\n<h3><strong>Inform Applicant of their Right to the Report<\/strong><\/h3>\n<p>Tenants have a right to receive a free copy of their background check and credit report within 60 days of receiving the adverse action notice. However, you don&#8217;t need to provide these reports to the tenant automatically unless they request it.<\/p>\n<h3><strong>Notify Applicant of Dispute Rights<\/strong><\/h3>\n<p>As part of the FCRA, the applicant has a right to dispute any errors they may see in the background check or the landlord\u2019s adverse action letter. Your letter should include a statement of that right, should they choose to take further legal action.<\/p>\n<h2><strong>What to Include in an Adverse Action Letter<\/strong><\/h2>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-54098\" src=\"https:\/\/www.turbotenant.com\/wp-content\/uploads\/2024\/07\/blog_Pros-and-Cons.png\" alt=\"\" width=\"780\" height=\"314\" srcset=\"https:\/\/www.turbotenant.com\/wp-content\/uploads\/2024\/07\/blog_Pros-and-Cons.png 780w, https:\/\/www.turbotenant.com\/wp-content\/uploads\/2024\/07\/blog_Pros-and-Cons-300x121.png 300w, https:\/\/www.turbotenant.com\/wp-content\/uploads\/2024\/07\/blog_Pros-and-Cons-768x309.png 768w\" sizes=\"auto, (max-width: 780px) 100vw, 780px\" \/><\/p>\n<p>Beyond the legal requirements for adverse action letters, it is also essential to include a few key pieces of information to ensure that the letter reaches the correct person and effectively conveys the intended message to the applicant.<\/p>\n<p>An adverse action letter should have the following:<\/p>\n<h3><strong>Letter Date and Applicant Name<\/strong><\/h3>\n<p>Make sure to include the date that you\u2019re sending the adverse action letter and the full name of the applicant. The date is significant, as tenants will be on a strict timeline to take further action, like requesting a copy of the credit report or disputing any errors.<\/p>\n<h3><strong>Property Address<\/strong><\/h3>\n<p>To prevent confusion, mention the rental property address for which you\u2019re denying housing or the terms of the lease you\u2019re changing. Remember, the applicant may have applied for housing at many different rentals.<\/p>\n<h3><strong>Clear Reason for Denial (If Applicable)<\/strong><\/h3>\n<p>Be as transparent as possible and explain to the applicant exactly why you denied their application or changed the terms of the lease. No matter the reason, providing this explanation can help establish trust and offer some protection against discrimination claims.<\/p>\n<h2><strong>Common Reasons for Adverse Rental Decisions<\/strong><\/h2>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"blogicon aligncenter wp-image-55727 size-full\" src=\"https:\/\/www.turbotenant.com\/wp-content\/uploads\/2024\/07\/ScreeningIcon-1.svg\" alt=\"\" width=\"272\" height=\"272\" \/><\/p>\n<p>Though many factors may lead you to take adverse action against a potential renter, there are a few common reasons that tenants \u2014 and landlords \u2014 should consider during the application process.<\/p>\n<p>Here\u2019s what we recommend keeping an eye out for.<\/p>\n<h3><strong>Low Credit Score or High Debt-to-Income Ratio<\/strong><\/h3>\n<p>A low\u00a0<a href=\"https:\/\/www.turbotenant.com\/glossary\/what-is-a-credit-score\/\">credit score<\/a>\u00a0may indicate a history of late loan payments or unpaid bills that were sent to a collections agency. Meanwhile, a high debt-to-income ratio may indicate that the tenant lacks sufficient funds to cover their existing debts, let alone their monthly rent payments.<\/p>\n<h3><strong>Past Evictions or Unpaid Rent<\/strong><\/h3>\n<p>Previous\u00a0<a href=\"https:\/\/www.turbotenant.com\/rental-screening\/free-eviction-check\/#:~:text=USA%20Handle%20It-,What%20is%20an%20eviction%20check?,and%20past%20landlords%20or%20employers.\">evictions<\/a>\u00a0or a history of unpaid rent are red flags for apparent reasons. Always consider these factors during the background check. You may want to deny housing or require additional money for the security deposit to protect yourself from similar outcomes.<\/p>\n<h3><strong>Criminal History<\/strong><\/h3>\n<p>Some states and localities prohibit landlords from considering an applicant\u2019s criminal history during the rental application process. When permitted, though, you should review these records to determine whether an applicant would pose a threat to your property, other tenants, or yourself.<\/p>\n<h3><strong>Lack of Stable Income or Employment<\/strong><\/h3>\n<p>If the applicant doesn\u2019t have a stable income or employment, they may struggle to pay rent on time every month. You could request additional records, such as bank account statements, to verify that the tenant has alternative means of paying rent.<\/p>\n<p>Or, you may end up taking adverse action so you can rent to a more financially stable tenant.<\/p>\n<h3><strong>Inaccurate or Incomplete Application Information<\/strong><\/h3>\n<p>If the tenant provides inaccurate or incomplete information on the rental application, it will be difficult, if not impossible, to conduct an accurate background check. Though these inconsistencies may occur accidentally, they could also indicate an applicant\u2019s attempt to hide information.<\/p>\n<h2><strong>Consequences of Not Sending an Adverse Action Letter<\/strong><\/h2>\n<p><img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-65972\" src=\"https:\/\/www.turbotenant.com\/wp-content\/uploads\/2025\/01\/blog_Down_Arrow.png\" alt=\"\" width=\"780\" height=\"314\" srcset=\"https:\/\/www.turbotenant.com\/wp-content\/uploads\/2025\/01\/blog_Down_Arrow.png 780w, https:\/\/www.turbotenant.com\/wp-content\/uploads\/2025\/01\/blog_Down_Arrow-300x121.png 300w, https:\/\/www.turbotenant.com\/wp-content\/uploads\/2025\/01\/blog_Down_Arrow-768x309.png 768w\" sizes=\"auto, (max-width: 780px) 100vw, 780px\" \/><\/p>\n<p>Considering that the FCRA requires an adverse action letter for the circumstances mentioned earlier, landlords may face legal and financial consequences for failing to uphold federal law.<\/p>\n<p>If an adverse action letter becomes necessary, keep these factors in mind:<\/p>\n<h3><strong>FCRA Violations May Result in Legal Action or Fines<\/strong><\/h3>\n<p>Landlords who don\u2019t provide adverse action letters may be subject to lawsuits from tenants or governing bodies like the\u00a0<a href=\"https:\/\/www.ftc.gov\/\" target=\"_blank\" rel=\"noopener\">Federal Trade Commission<\/a>\u00a0and the\u00a0<a href=\"https:\/\/www.consumerfinance.gov\/complaint\/\" target=\"_blank\" rel=\"noopener\">Consumer Financial Protection Bureau<\/a>.<\/p>\n<p>Additionally, you could be on the hook for fines, the applicant\u2019s legal fees, actual damages, and more.<\/p>\n<h3><strong>Tenants Can Dispute the Decision Without Understanding the Cause<\/strong><\/h3>\n<p>If you don\u2019t explicitly state why you took adverse action, the applicant might come to their own, incorrect conclusions. As a result, tenants may take legal action, which can be costly and time-consuming to fight, even if a judge rules in your favor.<\/p>\n<h3><strong>Inconsistent Processes May Raise Fair Housing Concerns<\/strong><\/h3>\n<p>Similarly, confusion over the reason for the adverse action could lead to issues with your local fair housing authority. It\u2019s essential to be consistent and have valid reasons for denying housing or changing lease terms. Document those reasons so your tenant selection process isn\u2019t called into question.<\/p>\n<h3><strong>You May Lose Credibility or Trust<\/strong><\/h3>\n<p>Whether or not legal action ensues, failing to provide an adverse action letter may erode the trust of your applicants (and your current tenants). Naturally, serious ramifications could follow for your rental property business, making it difficult for you to secure reliable tenants in the future.<\/p>\n<h2><strong>Free Adverse Action Letter Template (Copy &amp; Paste)<\/strong><\/h2>\n<p>To help you send a correct, legally binding adverse action letter in accordance with FCRA regulations, TurboTenant has put together an easy-to-use template.<\/p>\n<p>All you have to do is fill in the required details before providing the letter to the applicant.<\/p>\n<blockquote>\n<p>Hello &lt;Applicant name&gt;<\/p>\n<p>&lt;Landlord name&gt;, the landlord of &lt;rental property address&gt;, regrets that they aren\u2019t able to offer you the rental at this time.<\/p>\n<p>This decision was based, in whole or in part, on the information in your Screening Report provided by &lt;the agency through which you pull credit reports &#8211;\u00a0<em>TurboTenant uses Rent Butter<\/em>&gt;, the Credit Reporting Agency.<\/p>\n<p>The Credit Reporting Agency plays no part in the decision to take any action on your rental application and is unable to provide you with specific reason(s) for this adverse action.<\/p>\n<p>You have the right under the Fair Credit Reporting Act to obtain a free copy of your consumer report from the above Credit Reporting Agency. You must request a copy of your consumer report in writing within 60 days from the receipt of this notice.<\/p>\n<p>You also have a right to dispute the accuracy or completeness of any information the Credit Reporting Agency reported. You must file a written request with the Credit Reporting Agency that your consumer report contains one or more inaccuracies, is incomplete, or contains errors of fact.<\/p>\n<p>If you would like to request a copy of your consumer report or have a question on the completeness or accuracy of the information used to create the consumer report, please contact the Credit Reporting Agency listed below:<\/p>\n<p>Mailing Address:<\/p>\n<p>&lt;Provide the full mailing address for disputes &#8211; for example, here\u2019s Rent Butter\u2019s info:<\/p>\n<p>Rent Butter<\/p>\n<p>Rent Butter Headquarters<\/p>\n<p>4255 South Indiana Ave., Suite 201<\/p>\n<p>Chicago, IL 60653&gt;<\/p>\n<p>Email: &lt;the email address of the dispute office for your credit report provider of choice &#8211; Rent Butter\u2019s is disputes@rentbutter.com&gt;<\/p>\n<p>Phone: &lt;the phone number of the dispute office for your credit report provider of choice &#8211; Rent Butter\u2019s is 1-312-224-6078&gt;<\/p>\n<p>If you have any questions about your rental application, please contact me at:<\/p>\n<p>&lt;Your name&gt;<\/p>\n<p>&lt;Your phone number&gt;<\/p>\n<p>&lt;Your email address&gt;<\/p>\n<p>Best of luck in your housing search,<br \/>\n&lt;Your name&gt;<\/p>\n<p><em>Remember, TurboTenant doesn\u2019t provide legal advice. If a legal question arises, please consult with your local landlord-tenant attorney for guidance.<\/em><\/p>\n<\/blockquote>\n<\/div>\n<div class=\"ttsf-rich-text \">\n<h2><strong>Conclusion<\/strong><\/h2>\n<p>Adverse action letters are a tricky, but often necessary, part of doing business as a landlord. Depending on how many applications you receive for a particular rental property, you may find that you have to deny housing or change the terms of your lease \u2014 as long as it\u2019s only done for the reasons described above.<\/p>\n<p>Since federal law requires adverse action letters, landlords must adhere to specific form and content requirements rather than sending an informal message. To ensure you\u2019ve included all of the necessary details, use <a href=\"https:\/\/www.turbotenant.com\/\">TurboTenant<\/a>\u2019s adverse action letter template.<\/p>\n<p>Regardless of why you\u2019re taking adverse action against an applicant, it\u2019s crucial to provide this letter to protect yourself and your rental property from legal and financial consequences.<\/p>\n<p>For more property management help,\u00a0<a href=\"https:\/\/rental.turbotenant.com\/auth\/signup\">sign up for a free TurboTenant account<\/a>\u00a0to explore our other features.<\/p>\n<h2><strong>FCRA Adverse Action Letter FAQs<\/strong><\/h2>\n<\/div>\n<div class=\"ttsf-faq\">\n<div class=\"faq-item\">\n<h3 class=\"faq-question\" data-target=\"answer-1\">What triggers the need for an adverse action letter?<span class=\"caret\"><\/span><\/h3>\n<div class=\"faq-answer\" id=\"answer-1\">\n<div>\n<p>If the landlord denies housing or changes the terms of the lease based on the results of a background check or credit report, the FCRA requires the landlord to provide an adverse action notice.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"faq-item\">\n<h3 class=\"faq-question\" data-target=\"answer-2\">What must the adverse action letter include?<span class=\"caret\"><\/span><\/h3>\n<div class=\"faq-answer\" id=\"answer-2\">\n<div>\n<p>It must include crucial information such as the tenant\u2019s name, the property address, the current date, and the name and contact information of the credit reporting agency or screening service.<\/p>\n<p>The letter must also include a disclosure of the tenant\u2019s rights to receive a copy of the report that led to the adverse action and to dispute the report&#8217;s findings. Additionally, the letter should give the applicant a clear reason for the adverse action.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"faq-item\">\n<h3 class=\"faq-question\" data-target=\"answer-3\">Is there a waiting period before sending the final notice?<span class=\"caret\"><\/span><\/h3>\n<div class=\"faq-answer\" id=\"answer-3\">\n<div>\n<p>The FCRA does not require a specific waiting period before sending the final notice. However, it\u2019s generally considered best practice to send the adverse action letter within 5 days after receiving the application and the tenant background check.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"faq-item\">\n<h3 class=\"faq-question\" data-target=\"answer-4\">Can I send the adverse action notice electronically?<span class=\"caret\"><\/span><\/h3>\n<div class=\"faq-answer\" id=\"answer-4\">\n<div>\n<p>Yes, landlords can send the adverse action notice electronically. However, in this case, it\u2019s recommended that you also send the notice by mail.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><script type=\"application\/ld+json\">\n{\n\t\"@context\": \"https:\/\/schema.org\",\n\t\"@type\": \"FAQPage\",\n\t\"mainEntity\": [{\"@type\":\"Question\",\"name\":\"What triggers the need for an adverse action letter?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<\/p>\n<p>If the landlord denies housing or changes the terms of the lease based on the results of a background check or credit report, the FCRA requires the landlord to provide an adverse action notice.<\/p>\n<p>n\"}},{\"@type\":\"Question\",\"name\":\"What must the adverse action letter include?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<\/p>\n<p>It must include crucial information such as the tenantu2019s name, the property address, the current date, and the name and contact information of the credit reporting agency or screening service.<\/p>\n<p>n<\/p>\n<p>The letter must also include a disclosure of the tenantu2019s rights to receive a copy of the report that led to the adverse action and to dispute the report&#8217;s findings. Additionally, the letter should give the applicant a clear reason for the adverse action.<\/p>\n<p>n\"}},{\"@type\":\"Question\",\"name\":\"Is there a waiting period before sending the final notice?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<\/p>\n<p>The FCRA does not require a specific waiting period before sending the final notice. However, itu2019s generally considered best practice to send the adverse action letter within 5 days after receiving the application and the tenant background check.<\/p>\n<p>n\"}},{\"@type\":\"Question\",\"name\":\"Can I send the adverse action notice electronically?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<\/p>\n<p>Yes, landlords can send the adverse action notice electronically. However, in this case, itu2019s recommended that you also send the notice by mail.<\/p>\n<p>n\"}}]}\n<\/script><\/p>\n<div class=\"ttsf-rich-text \">\n<blockquote>\n<p><strong>Disclaimer<\/strong>: This blog is for informational purposes only and is published by TurboTenant. It is not legal, financial, or tax advice. Laws and regulations for landlords vary by state and locality and may change over time. Always consult a qualified attorney, accountant, or local housing authority before making decisions related to your rental property. The publisher and authors assume no responsibility for actions taken based on the information provided.<\/p>\n<\/blockquote>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>After advertising your vacant rental property and receiving applications, you might assume you\u2019re guaranteed to find a great new tenant. However, during the\u00a0tenant background check process, you may uncover information that leads you to deny the application or modify its terms. If that\u2019s the case, you\u2019ll have to send the denied applicant(s) an adverse action [&hellip;]<\/p>\n","protected":false},"author":57,"featured_media":67805,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1854],"tags":[],"level":[1837],"class_list":["post-67802","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rental-screening","level-beginner"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Landlords: Sample FCRA Adverse Action Letter for Apartments +<\/title>\n<meta name=\"description\" content=\"Need an FCRA adverse action letter to send to a tenant? 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