User understands that the design and functionality of this site created and managed by Cabrio Properties LLC, (“Cabrio”). Applicant agrees that Cabrio offers no warranties with respect to this site, whether express or implied.
If applicable, Applicant agrees to pay a non-refundable Application Fee billable immediately to the account identified in this application for the purpose of processing this Online Application. The Application Fee is earned upon the submission and receipt of this Online Application. All Application Fee payments are processed by Cabrio through its preferred merchant account. If any payment is paid by eCheck, Applicant understands he or she will be charged an additional fee if eCheck payment is returned from the bank for any reason, which will be added to the original amount and auto-debited from Applicant’s bank account at least 10 days after initial payment fails. Additional fees may also be assessed by Applicant’s bank and/or Cabrio Properties. Applicant’s copy of this Online Application will serve as a receipt for the Application Fee collected.
No guarantee is made to Applicant that a property rental is or will be made available. Applicant understands that he or she will acquire no rights in or to a property rental until Applicant is accepted, signs a rental agreement, and pays any additional fees and security deposits.
USE OF INFORMATION
Consent to Consumer Report
Applicant authorizes Cabrio, to obtain such credit reports, character reports, verification of rental and employment history as it deems necessary to verify all information in this application (a process referred to as “Applicant Screening”). Applicant agrees to allow Cabrio to use third party affiliates such as Applicant agrees to have the information provided in this Online Application to credit reporting agency for evaluation of Applicant’s consumer credit report to determine rental eligibility of Applicant. Applicant further understands that false, fraudulent, misleading or incomplete information may be grounds for denial of tenancy or subsequent eviction. Cabrio will provide Applicant with additional information about the nature and scope of the investigation if Applicant provides Cabrio with a written request within a reasonable time.
Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information in the files of every “consumer reporting agency” (CRA). Most CRAs are credit bureaus that gather and sell information about you — such as if you pay your bills on time or have filed bankruptcy — to creditors, employers, landlords, and other businesses. You can find the complete text of the FCRA, 15 U.S.C. 1681-1681u, at the Federal Trade Commission’s web site (http://www.ftc.gov). The FCRA gives you specific rights, as outlined below. You may have additional rights under state law. You may contact a state or local consumer protection agency or a state attorney general to learn those rights.
- You must be told if information in your file has been used against you. Anyone who uses information from a CRA to take action against you — such as denying an application for credit, insurance, or employment — must tell you, and give you the name, address, and phone number of the CRA that provided the consumer report.
- You can find out what is in your file. At your request, a CRA must give you the information in your file, and a list of everyone who has requested it recently. There is no charge for the report if a person has taken action against you because of information supplied by the CRA, if you request the report within 60 days of receiving notice of the action. You also are entitled to one free report every twelve months upon request if you certify that (1) you are unemployed and plan to seek employment within 60 days, (2) you are on welfare, or (3) your report is inaccurate due to fraud. Otherwise, a CRA may charge you up to eight dollars.
- You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. (The source also must advise national CRAs — to which it has provided the data — of any error.) The CRA must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the CRA’s investigation does not resolve the dispute, you may add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change.
- Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated (as described below) or cannot be verified. If your dispute results in any change to your report, the CRA cannot reinsert into your file a disputed item unless the information source verifies its accuracy and completeness. In addition, the CRA must give you a written notice telling you it has reinserted the item. The notice must include the name, address and phone number of the information source.
- You can dispute inaccurate items with the source of the information. If you tell anyone — such as a creditor who reports to a CRA — that you dispute an item, they may not then report the information to a CRA without including a notice of your dispute. In addition, once you’ve notified the source of the error in writing, it may not continue to report the information if it is, in fact, an error.
- Outdated information may not be reported. In most cases, a CRA may not report negative information that is more than seven years old; ten years for bankruptcies.
- Access to your file is limited. A CRA may provide information about you only to people with a need recognized by the FCRA — usually to consider an application with a creditor, insurer, employer, landlord, or other business.
- Your consent is required for reports that are provided to employers, or reports that contain medical information. A CRA may not give out information about you to your employer, or prospective employer, without your written consent. A CRA may not report medical information about you to creditors, insurers, or employers without your permission.
- You may choose to exclude your name from CRA lists for unsolicited credit and insurance offers. Creditors and insurers may use file information as the basis for sending you unsolicited offers of credit or insurance. Such offers must include a toll-free phone number for you to call if you want your name and address removed from future lists. If you call, you must be kept off the lists for two years. If you request, complete, and return the CRA form provided for this purpose, you must be taken off the lists indefinitely.
- You may seek damages from violators. If a CRA, a user or (in some cases) a provider of CRA data, violates the FCRA, you may sue them in state or federal court.
|FOR QUESTIONS OR CONCERNS REGARDING:||PLEASE CONTACT:|
|CRAs, creditors and others not listed below||Federal Trade Commission
Consumer Response Center – FCRA
Washington, DC 20580
|CRAs, creditors and others not listed below||Office of the Comptroller of the Currency
Compliance Management, Mail Stop 6-6
Washington, DC 20219
|CRAs, creditors and others not listed below||Federal Reserve Board
Division of Consumer & Community Affairs
Washington, DC 20551
|Savings associations and federally chartered savings banks (word “Federal” or initials “F.S.B.” appear in federal institution’s name)||Office of Thrift Supervision
Washington, DC 20552
|Federal credit unions (words “Federal Credit Union” appear in institution’s name)||National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314
|State-chartered banks that are not members of the Federal Reserve System||Federal Deposit Insurance Corporation
Division of Compliance & Consumer Affairs
Washington, DC 20429
|Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission||Department of Transportation
Office of Financial Management
Washington, DC 20590
|Activities subject to the Packers and Stockyards Act, 1921||Department of Agriculture
Office of Deputy Administrator – GIPSA
Washington, DC 20250
You acknowledge that you had an opportunity to review the General Rental and Occupancy Criteria Guidelines and Privacy Statement. You understand that FF Properties collects and shares personally identifiable information with third parties subject to the terms and standards explained in these documents and you understand that reasons may exist which will result in the denial of your Online Application and potential retention of both the Application and Holding Fees.