Tenant Tracker on Your Credit Report? Fight Back and Win

Tenant Tracker is listed on your credit report, and you don’t know why. Despite having no familiarity with this company, the negative information on your credit report is causing a major drop in your score. You’re worried that the negative information from Tenant Tracker is going to affect your ability to make big purchases, rent or buy a home, and even get a job. What can you do?

There are ways to deal with Tenant Tracker to improve the situation, get them off your credit report, and stop their calls.

What Is Tenant Tracker?

Tenant Tracker is a company that works in the multifamily property industry. Part of what they do is residential screening so landlords can check out the backgrounds of potential tenants. Tenant Tracker does criminal background reports and also employment screening.

Tenant Tracker also operates as a consumer reporting agency. Tenant Tracker will receive information from landlords, including negative information like missed rent. Then, they will report it to credit bureaus like Experian, Equifax, and Transunion. Tenant Tracker describes what they do as “collection processing.”

Specific services include consumer resolutions, negotiations, and weekly skip tracing for up to seven years. Skip tracing is when a company tries to locate people who have defaulted on a debt.

While Tenant Tracker doesn’t specifically describe itself as a debt collection agency, most of the services the company provides to landlords and multifamily property businesses are related to debt collection.

Why Is Tenant Tracker Calling Me?

Tenant Tracker might be calling you because a landlord you rent from currently or in the past has reported unpaid rent. They might have turned the situation over to Tenant Tracker to handle on their behalf, so if this company is calling you, it’s an attempt to collect a debt. It’s also always possible that a company like this is incorrectly calling you, and you might not owe any money.

Is Tenant Tracker a Scam?

Tenant Tracker isn’t a scam. They’re a legitimate company if you see them on your credit report or receive calls from them. You can’t ignore the company and hope it goes away, even if you don’t believe you owe the debt they’re trying to collect. Tenant Tracker isn’t accredited by the Better Business Bureau and currently maintains an F-rating with the organization.

There are consumer complaints against Tenant Tracker, stating that they try to collect items that aren’t valid. There are also quite a few complaints from people who say that despite reporting negative information about them, they can’t get in touch with anyone from Tenant Tracker to remedy the situation.

What’s On a Rental History Report?

If you’re dealing with Tenant Tracker, not only might a collections account under their name be listed on your credit report. They might also furnish information on a rental report that prevents you from getting a home.

When you’re a potential tenant, it’s very likely that a landlord will check your credit and request a copy of your rental history report. If you’re planning to apply for a rental any time soon, you should check both your credit and rental history reports to see if errors need to be disputed.

A rental history report can include a list of all the places you’ve rented and contact information for the property manager or the landlord.

Rental history reports can include dates during which you lived at each of the properties and how much rent you paid. These reports also include whether or not you had issues during your time there, including late payments and evictions, and there may be recommendations from your past landlords, whether good or bad.

While you’re not required to get a copy of your own rental history report, it’s a good idea. Your application might be denied if you don’t identify and correct wrong information. According to the Fair Credit Reporting Act, you are entitled to a free copy of your rental history report just like you are with your credit reports.

If you already have a place in mind where you’re going to apply as a renter, you can ask the landlord which company they’ll use to pull a rental history report and check your own with that company.

It needs to be disputed if you get a copy of your rental report and anything is wrong, including seemingly small things like wrong dates. Working with a consumer protection attorney is often the best way to do this.

Disputing a Debt with Tenant Tracker

If you have a debt with Tenant Tracker that you believe is wrong, or they’re providing wrong information about you, a consumer protection attorney can contact the company on your behalf and submit a dispute. If you try to do this on your own, it could indicate that you’re saying the debt is valid, restarting the statute of limitations.

Once a company receives a notice of a debt dispute, they’re required by the FCRA to investigate the dispute fully and update or remove wrong information.

Typically, the company has 30 days to investigate a dispute. 

Even if you aren’t sure whether or not a debt is valid, if you talk to an attorney before doing anything else, they can help you navigate the best course of action in your situation.

There’s another law relevant to debt collectors, which is the Fair Debt Collection Practices Act. This federal consumer protection law dictates what a collection agency can and can’t do. For example, if you’re being contacted by a debt collector constantly throughout the day, including late at night or early in the morning, they may be violating the FDCPA.

It’s also a violation to use profanity or deception to try and collect a debt.

Get a Free Case Review

If you want to stop getting phone calls from Tenant Tracker, have negative information taken off your credit report, or stop this company from preventing you from renting a home, we can help. Fair Credit is a team of FCRA attorneys dedicated to protecting consumer rights. Reach out today for a free case review.