All You Need to Know about CoreLogic Background Check
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- All You Need to Know about CoreLogic Background Check
CoreLogic is one of many companies that collects and sells information on consumers.
They’re used in employment background checks, and like any screening service, it can cause candidates to lose time, money and opportunities with reporting errors.
When a mortgage company, landlord, property manager, employer, or insurance company needs to gauge someone's reliability based on that person's history, they pay a background check company for a background check. One of the companies that supplies background checks and tenant screening reports is a company called CoreLogic. Far too often, those CoreLogic reports contain errors and inaccuracies. and when they do, the consumer is the one who loses an opportunity or otherwise suffers.
As , We see the damage that errors and inaccuracies in credit reports, background check reports, tenant screening reports, and criminal background checks can do to a person. We have represented consumers in numerous cases where errors in background checks by CoreLogic have led to lost opportunities and unnecessary financial distress. As attorneys for consumers, we have prepared the following guide to give you an understanding about CoreLogic background checks, inform you of your rights, and let you know how to dispute mistakes in your CoreLogic background check.
About CoreLogic Company
CoreLogic is a large company based in California that provides background checks and background screening reports. While CoreLogic specializes in providing reports geared to the multi-unit and multilevel housing Industries, it also offers a wide range of home valuation, real estate, property, and tenant screening services to real estate professionals, mortgage companies, and lenders. CoreLogic also offers credit history, background reports, criminal background checks, and income verification reports to lenders, employers, landlords, and property managers.
How Does CoreLogic Conduct Background Checks?
CoreLogic culls and compiles consumer information from many sources. Those sources include:
- The three primary consumer reporting agencies: Equifax, Experian, and TransUnion
- Public records databases
- Criminal databases like the FBI criminal database and the National Sex Offender Registry
- Real property tax assessment databases
- Real estate sales data
- Demographic data
- Information supplied by property managers and landlords
- Information from financial institutions
How Long Does a Background Check from CoreLogic Take?
A CoreLogic background check can take anywhere from a few days to a couple of weeks. The time it takes to complete a CoreLogic background check depends on the scope of the report requested, the responsiveness of the record-keepers, the depth of the investigation, and the scope of activity of the background check subject.
What Information Does CoreLogic Provide in Their Background Checks?
CoreLogic Criminal Background Check
CoreLogic background screening requires scanning numerous criminal and public records databases to gather, compile, and produce a report on a subject’s criminal history. This includes a nationwide search of criminal databases to see if you have committed any crimes that would make you unsuitable to rent the home. The length of time that some crimes remain on reports depends on whether the crime was a felony or misdemeanor and the nature of the crime. Incorrect information on a background check can have devastating consequences in any context.
CoreLogic Background Checks for Rental Property
CoreLogic offers rental history information and prepares reports detailing a subject’s previous addresses, how long they stayed there, any late payment history, any eviction history, and any other information from former landlords or property managers that prospective landlords might deem significant. CoreLogic gathers and compiles credit reports and rental history, prepares a report, and then gives that report to landlords. The landlords use the report to make decisions on who to rent their properties to.
CoreLogic Background Check for Employment
CoreLogic also offers background checks on prospective employees. Prospective employers will hire CoreLogic to confirm a job candidate’s employment history, education, professional licenses, criminal background, and if applicable, a candidate’s credit history.
What Are the Consumer's Rights When Verifying Their Background Check?
A law called the Fair Credit Reporting Act (FCRA) gives consumers the right to dispute any errors and inaccuracies in their background reports. In CoreLogic’s role as a consumer reporting agency (CRA), they must take reasonable steps to ensure the information in their reports is accurate and to investigate disputes within 30 days.
Which Companies Use CoreLogic for Background Checks?
CoreLogic’s revenue in 2023 was $1.6 billion, so many companies use CoreLogic. Companies in the real estate, insurance, finance, and rental industries rely on CoreLogic background checks, tenant screening services, and credit reports. Many other companies use CoreLogic for their background checks.
What do companies use CoreLogic background checks for?
Any company that uses CoreLogic wants to minimize its risk of lending money to, renting a home to, ensuring, or offering a job to someone who may pose a risk. The risk could be related to their ability to pay rent, their criminal background, their finances, their credit status, or anything else the company deems significant.
Can Errors Occur in Background Checks from CoreLogic?
Yes. Despite the FCRA’s mandate that CRAs take reasonable care to provide accurate reports, and despite the technology available, errors occur in CoreLogic background checks with far too great a frequency.
What Causes Errors in Background Checks
Main Types of Errors
Any error can result in missing information, inaccurate information, or outright wrong information. If a former landlord or property manager neglects to update their files or transmit their files to CoreLogic, then a CoreLogic report will be incomplete. Any error in transmittal can result in inaccurate information. A misspelling of a subject’s name or former address or wrong digit in their Social Security number can result in someone else’s information being added to the report. The possibilities for errors are endless.
How Often Do Errors Occur in Background Checks from CoreLogic?
There is no publicly available information on what percentage of CoreLogic reports contain errors. But the fact that a federal law contemplates errors and provides an avenue for consumers to fix them, along with the inherent threat of errors from the lightning-speed transmission of data and quick turnaround time, suggests that they are common. Our own experience as consumer protection attorneys corroborates this.
What are the consequences of having errors in your background check report?
The consequences of having errors in your CoreLogic background report can be devastating. Errors can result in the denial of rental applications, denial of loans or being granted loans with unfair interest rates, and employers rescinding job offers.
You Can Contact CoreLogic if You Need to Correct an Error in the Background Report
If you identify an inaccuracy in your CoreLogic background report, it's imperative to contact them immediately to initiate a dispute. If you have been rejected based on a CoreLogic background check, you are entitled to raise a dispute against any discrepancies, and the screening agency has 30 days to resolve any issues according to the Fair Credit Reporting Act (FCRA). If the issues are not resolved according to the timeline and remain incorrect, Consumer Attorneys can help you assert your claim and sue the company for any distress caused.
CoreLogic Rental Property Solutions Contact Information
- Address: P.O. Box 509124
- City: San Diego
- State: California
- Zip Code: 92150
- Phone: 888-333-2413
- Website: corelogic.com
What to Do if You do not Receive Answers to Your Questions on the Background Report
If CoreLogic ignores your dispute, you should contact Consumer Attorneys.
You Can Sue CoreLogic if Your Report Contains Errors
If CoreLogic fails to correct inaccuracies in your background report and you suffer damages as a result, you may have grounds to file a lawsuit under the FCRA. Contact Consumer Attorneys for a free consultation and more guidance.
Who Can You Contact to Solve the Problem With an Error in the Background Report from CoreLogic
The attorneys at Consumer Attorneys only do consumer protection law. We know the FCRA and other relevant laws, we know the damage that errors in a background check can do, we know how to initiate legal action when necessary, we know how to get people the compensation they deserve, and most importantly, we care.
Assistance in Disputing CoreLogic Background Report
If you find any CoreLogic background check errors, reach out to Consumer Attorneys to fix the situation! CoreLogic needs to fix these inaccuracies so you can get on with your life.
Lawsuits against CoreLogic
Consumer Attorneys has represented thousands of consumers who have been wronged by errors in their background checks. Recently, we negotiated a favorable settlement for our client in New Jersey. Our client, a husband and father of two, was forced to move his family due to unemployment. Our client was denied housing based on a CoreLogic background report that falsely stated he was convicted of a crime.
Contact Us
If you've encountered errors in a CoreLogic background check that have adversely affected your employment, housing, or financial opportunities, you don't have to navigate this challenge alone. Our firm specializes in protecting consumers' rights and ensuring companies like CoreLogic adhere to the highest accuracy standards.
Contact us by:
- Visit our website at consumerattorneys.com. Once there, you can chat with a live representative or fill out a form to be contacted.
- Emailing us at [email protected] to request a meeting with an attorney.
- Calling us at 1-877-615-1725.
We have represented thousands of consumers who find themselves at odds with consumer reporting agencies, background check companies, and many others. Our goal is to hold these companies accountable when they make mistakes that hurt you, to get consumers the compensation they deserve, and to make sure things are as fair as they can be.
Frequently Asked Questions
When you opt out of CoreLogic, much of your data is removed from its databases. This is great if you want to enhance your privacy and keep your personal information confidential. However, what it also does is remove much of your background, much of your rental history, and much of your financial history, making it unavailable to landlords, property managers, and mortgage companies who may request it. This may affect how they deem your creditworthiness and whether or not they rent you a home or give you a mortgage.
If you want to freeze your CoreLogic File, you will need to contact CoreLogic directly and request they put a security freeze on your file. You will need to provide some verification and proof of your identity. This offers an extra layer of security and is a good idea if you have been or suspect you might be the victim of identity theft. While this is an excellent security mechanism, know that it will also prevent legitimate inquiries from landlords, property managers, and mortgage companies from accessing your CoreLogic data. If you anticipate moving, buying, or renting a new home, you will need to remember to request that CoreLogic lifts the security freeze.
The cost of a CoreLogic report depends on the type of report. CoreLogic offers a range of reports for Real Estate professionals, lenders, property managers, and employers. Each one pays CoreLogic for its reports on potential tenants, potential borrowers, and potential employees. If you want a free copy of your CoreLogic background report, you can contact CoreLogic and request one. You can get a free CoreLogic report by visiting the CoreLogic website, downloading the credit report request form, and mailing it to: CoreLogic, PO Box 509124, San Diego, CA 92150
CoreLogic does not rely on a single Credit Bureau. instead, CoreLogic will gather information from several sources. The sources from which CoreLogic will gather consumer information and create a report depend on what kind of report the CoreLogic client requests. CoreLogic can and does pull information from all three major consumer reporting agencies: Equifax, Experian, and TransUnion. This can also depend on whether the subject of the report authorizes CoreLogic to pull the data.
To find out your CoreLogic home value, you will likely need to sign up on its platform. CoreLogic typically sells its home valuation, sales comparison, and market trend services to real estate professionals. Home and property valuation is not included in the free background check report. While it's possible that an individual could contact a real estate professional with access to CoreLogic reports and ask them to research the home value, an individual consumer will likely need to register on the CoreLogic property watch service.
Daniel Cohen is the Founder of Consumer Attorneys. Daniel manages the firm’s branding, marketing, client intake and business development efforts. Since 2017, he is a member of the National Association of Consumer Advocates and the National Consumer Law Center. Mr. Cohen is a nationally-recognized practitioner of consumer protection law. He has a we... Read more
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