CoreLogic - SafeRent 2014 AMSI ESite Training

Transcription

1
Resident Screening Integration Training
2014 CoreLogic-SafeRent Confidential
2
Learning Objectives
I.
How to Screen New Applicants in Esite
II.
How to read the SafeRent Lease Decision Reports
III. Error Message Handling
IV. Adverse Action Letters
V. Online Billing
VI. Score Configurations
VII. SafeRent Q & A
3
Screening a New Applicant
Login to AMSI eSite
Login to AMSI using your AMSI
ESite username and password
4
Entering a New Guest Card
Select Guest Card
Select Enter New Guest Card
Guest information is entered
Complete all required fields per your
Management Company Policy.
NOTE: Fields marked with a RED *
are mandatory in AMSI
Click Next
5
Address Information is entered
NOTE: Entering the Zip Code will
auto populate the City and State
Click Next
Additional applicant information
If your applicant has a roommate,
spouse or guarantor enter the
information on the Roommates Tab
Click Save
A new Guest Card is generated and
assigned a guest card number
6
Enter a New Application Lease
New Application Process
1
1a
1b
After creating the Guest Card you will create an application in eSite that will be used to submit
to CoreLogic-SafeRent to screen the applicant.
1. Select Application/Move-In under Leasing
a. To create new application for an existing guest card select Enter a New
Application/Lease (Pages 6-11)
b. To continue with an application in process select View Pending Applications and
Leases (Pages 12-16)
7
Complete the Steps as Prompted
1
1. Choose a Unit for the
application
1a
a. The selected Unit displays
Click Next
2. Select the guest card to
create the new application.
2
8
Occupants
The PRIMARY applicant will display on the Occupants tab as the first name in the list.
Additional applicants or occupants will display if added to the main applicant
Indicate either:
Responsible (Lease holders over the age of 18)
NOT Responsible (Non Lease Holders)
Guarantor (Co-Signer)
Credit Info
Click Credit on the first applicant in the list
9
Complete Credit Check Information
- Main Applicant
Credit Info Details are entered
NOTE: Fields marked with a RED * are mandatory
in AMSI
Complete the Credit Info fields.
OTHER REQUIRED FIELDS FOR SCREENING
Personal Information:
First and Last Name
SSN: Required for all applicants except foreign nationals.
Enter all 0’s in this field and CoreLogic will accept this as a BLANK
field and process the applicant without an SSN.
Date of Birth
VALID E-Mail Address
Rent amount: enter the rent amount paid by the applicant at
their current address.
If not renting enter 0.
Current Address: pre-populates from guest card
Note: If an additional applicant was added the address field
populates identical to the main applicant. Please edit the information if
necessary.
Previous Address is NOT REQUIRED
Note: Additional information will improve screening results.
Drivers License NOT REQUIRED
Employment Details
Income enter monthly income with no decimals
Other Income If your applicant has additional income, be sure to
enter the monthly amount in the ADDITIONAL INCOME field.
Click Save
10
Complete Credit Check Information
- Additional Applicant
Select the Credit Info Icon for the
additional Applicant
The Co-applicant Information tab will display
Complete the same information required for the main
applicant.
Complete the fields as required
Note: The address field for the Co-Applicant populates
identical to the main applicant. Please edit the information if
necessary.
Select Save when complete
11
Complete the lease workflow
Move-In Date, Lease Information, Charges & Fees are entered.
12
Application Process Complete – Next Steps
1
2
1.
2.
3.
3
When you have completed the application process the Lease Changes Task Selection will display.
If you are ready to continue with the screening process select Application Move-In from the
Leasing menu
Click on View Pending Application and Leases
13
View Pending Applications and Leases
Pending Applications will display - Note: Only the PRIMARY applicant is displayed
Click the Credit Check Icon to complete the screening process.
The Credit Check Occupants List displays additional applicants on the application noted as
RESPONSIBLE that will be included in the screening process.
Note: Only the primary applicants ICON should to be selected
14
Submit Credit Check to CoreLogic-SafeRent
The Screening Application Screen displays
applicant information entered in the guest card for
the PRIMARY Applicant.
If your applicant includes additional applicant information
you must click “Show CoSigners/CoApplicants” to
display the Applicant Type Selection
Select the Applicant type for each additional applicant.
Co-Signer = Guarantor
Co-Applicant = All other applicant types
The CoApplicant/Signer Information will
display
Click SAVE
15
Submit Credit Check to CoreLogic-SafeRent
Once you have completed the required information for all applicants, you are now ready to submit the
application for screening:
Packages are customized by client. Select the appropriate “Package” related to the applicant you are
screening using the drop down arrow.
Full Screening Package (Market Rate)
Enter your CoreLogic-SafeRent user name and password
Select “Process” to submit your application
16
Credit Check to CoreLogic-SafeRent
The CoreLogic-Safe Rent In-Progress
Screen will appear
SafeRent Reports are generated
in 10-20 seconds.
Screening decisions post for
both credit and criminal.
“View” is selected to View
and/or Print reports.
The SafeRent Decision Page displays with
Credit and Criminal Decisions.
17
How to Read SafeRent Lease Decision Reports
18
Lease Decision Report - Single Applicant
1
2
3
4
5
6
1. Score / Score Points Chart
Indicates the risk score levels set by your
management company on the scale of 200-800
and the lease risk score outcome.
2. CrimSAFE Decision
Criminal decision based on the preset criminal
rules established by your management company.
3. Custom Decision Messages
Instructional Decision messages set by your
management company
Accept, Conditional, Decline
4. Reports & Letters
Access to credit and criminal details back up data
5. Alerts
Informational please refer to the Tips on Alerts
section of this training.
6. Messages
Most are general messages indicating specific
searches performed.
NOTE: Please refer to Error Messaging section of
this training for instructions related to specific
Messages.
7. Hyperlinks & Post Screening Functions
Use the PRINT ALL Icon
7
19
Lease Decision Report – Multiple Applicants
When processing multiple applicants a SUMMARY
Lease Decision Page is returned, to view the
detailed results follow these easy steps.
1. Click on the file TAB Applicant 1 and Applicant 2
OR
2. Click on each applicants Name
This will open the VIEW of the full report
1
JOHN APPLICANT
JANE APPLICANT
2
20
Lease Decision Report
CoreLogic provides 2 Rule Decisions
The Lease Score Decision
The Criminal Rule Decision
Below are examples of the consolidated decisions please follow as seen to issue the final approval or denial
Please Note: The scheduled “GO LIVE” date for JRK is 11/11/14 we anticipate an enhancement to the AMSI interface to be
completed by AMSI prior to this date that includes functionality which will provide enhanced Decision Posting to AMSI.
We will provide updates and revised training prior to 11/11/14.
21
Error Handling
Error Handling
If you receive a Permission Denied error message at the time you process the application, please make the
following security settings to your computer.
•From Internet Explorer
•Click on Tools
• Select Internet Options
•Click on Security,
•Select Trusted Sites
•Select Custom Level
• Scroll down to Miscellaneous
• Change Access data sources
across domains to ENABLE.
• Set level to Low and SAVE.
23
Error Messages -SafeRent Reports
1
Report will read:
1. Unable to Assess
OR
2. The service requested does not provide a score
3. Scroll down to the Messages Section and locate the
error. NOTE: Multiple applicants screened together
you must click each applicant name to view the
MESSAGES section.
3
4. Navigate back to the AMSI the Credit Info Page,
Correct the error , SAVE and resubmit to
CoreLogic-SafeRent.
2
4
3
NOTE: If the error is not clearly stated in the
MESSAGES section of the report DO NOT attempt to
reprocess please contact your Account Manager for
assistance.
24
No Credit Rule vs. Error Message
1 1
JRK Residential utilizes a No Credit Rule
This rule applies to any applicant who does not poses a credit file
i.e. trade lines, inquiries etc.
1. Auto approves conditionally, does not score the applicant.
2. Alert indicates no credit report at the selected bureau.
NOTE: If multiple applicants the rule will only apply if ALL
applicants do not have a credit file.
2 2
1 1
NOTE: If the error is not clearly stated in the MESSAGES section
of the report DO NOT attempt to reprocess please follow
instructions below OR contact your Account Manager for
assistance.
1. UNABLE TO ASSESS with Alert
2. Credit Alert – No record Found the applicants credit file
has possibly been frozen by the applicant OR there is an
issue with retrieving the credit record from the selected
bureau.
2 2
NOTE: This alert is not associated to the No Credit Rule
noted above
To process please follow the below steps:
Applicant must contact the bureau either by phone or
online to unfreeze their file
Applicants have the ability to set a timeframe for their
credit files to be accessible.
Once the applicant informs you the file is unfrozen you
may reprocess the screening report.
25
Adverse Action Delivery
26
Adverse Action – Auto Delivery Requirements
CoreLogic-SafeRent will auto deliver the FCRA
compliant Adverse Action Letter to each
applicant screened via the e-mail address
provided in Yardi by the site level.
1
JRK Requirements:
1. A valid e-mail address must be included on
each applicant over the age of 18.
2. Ensure that each applicants E-Mail
populates on the Guest Card & Credit Info
Pages.
False e-mail addresses such as
[email protected] are strictly prohibited and
are a violation of JRK policy *
2
Reporting will be provided to JRK Corporate
Leadership monthly detailing all Adverse
Action Notifications sent including the
applicants e-mail address.
Any violation of policy will be addressed by
JRK senior leadership.
Please Note: FCRA requires all applicants
receive a letter within 30 days of decline or
conditional approval. Letters will be delivered 26
days after
initial screening.
*Reference next slide for instructions on delivery if an
applicant does NOT have an e-mail address.
27
Adverse Action – Manual Delivery OPTIONAL
JRK Residential
This applies ONLY to any applicant that does NOT have
an e-mail address.
Note: This should be a very rare occurrence.
1
Enter your property e-mail address in the e-mail field
within AMSI
Please follow the steps below if you wish to save letters to
a specific folder:
1. Create an e-mail folder Adverse Action Letters
2. Create a rule within your e-mail with the subject line of
“Important Notice From JRK Residential “
4
2
3
JRK Residential
3. All Adverse Action Notifications for applicants that DO
NOT have an e-mail address will be stored in this
location.
Applicant(s) may request a copy of the notification in
person at the community leasing office. It is
recommended you print a copy for the permanent file.
28
Score Configurations
29
Scores and Rules set by JRK Senior Leadership
Regional Mgr
Property
Fountains of Katy
1C561
GH590
Conditional Verbiage
West Eighteenth
Applications with this score or
higher will be accepted with
conditions
Applications scoring below the
lowest decision point in Tier 2
will be Declined.
380
280
280
Auto Decline
Landlord
Tenant(EVICTION
RECORDS) MDO Auto
Decline
Rent to Income
(MDO) Auto
Decline
No Credit MDO
Auto Declined
Auto Declined
Conditional
Acct #
Overlook at Berkley
Applications with
this score or higher
will be accepted
Previous Landlord
Debt Management
Decision Override
(MDO) AUTO
DECLINE
1D473
Applicant is
approved
440
Applicant is
approved
500
Applicant is
approved
Applicant(s) did not meet
minimum qualifications and
is declined. An Adverse
Action Letter will be auto LLD debt over $1 LLT that matches
Applicant is approved with a
Any income less Approved with a
generated and e-mailed to
in the last 12
below in the last 12
double deposit.
than 3x the rent double deposit.
the applicant(s) e-mail
months
months
address of record within 30
days from the date of this
report.
340
340
Auto Decline
Auto Declined
Auto Declined
Applicant is approved with a
Any income less Approved with a
in the last 60
double deposit.
than 3x the rent double deposit.
months
months
report.
400
400
Auto Decline
Auto Declined
Auto Declined
Conditional
Approved with
Applicant is approved with 1
Any income less an additional
in the last 84
month's rent deposit
than 3x the rent deposit equal to
months
months
1 months rent.
report.
EXCEPTIONS Eviction Records:
Fountains of Katy: Conditional for applicants that have an eviction between 1-5 yrs, they must pay 1 mo. rent as deposit.
Overlook: Conditional for applicants that have an eviction between 5-7 yrs, they must pay double deposit.
NOTE: These instructions will be displayed on the Lease Decision Page
under the Decision Messaging Section.
Conditional
30
SafeRent Tips
31
Tips on Alerts
Alert Type
Short Description
Full Alert Description
THE INFORMATION REPORTED BY THE
SELECTED CREDIT BUREAU SHOWS THAT
THE CREDIT FILE FOR THIS APPLICANT IS
LESS THAN THREE YEARS OLD
BANKRUPTCY INFORMATION FOUND.
TAX LIEN INFORMATION FOUND.
Action
CREDIT ALERT
Thin Credit
NONE INFORMATIONAL ONLY
CREDIT ALERT
CREDIT ALERT
Bankruptcy
Tax Lien
CREDIT ALERT
Frozen Credit File
CREDIT ALERT
Address Discrepancy
FRAUD ALERT
Fraud and Active Duty
Alerts
INDIVIDUAL MESSAGES PROVIDED BY
CREDIT BUREAU
PLEASE HAVE THE APPLICANT CALL
CORE-LOGIC CONSUMER SERVICES @
888-333-2413 TO VERIFY THEIR IDENTITY
MORTGAGE ALERT
Mortgage Alert
THE APPLICANT'S CREDIT REPORT
CONTAINS A MORTGAGE ACCOUNT(S).
SSN ALERT
Social Security Alert
POSSIBLE CONSUMER FROZEN CREDIT
FILE - CONTACT YOUR ACCOUNT
MANAGER FOR FURTHER ASSISTANCE
FOLLOW YOUR MANAGEMENT COMPANY
ADDRESS DISCREPANCY INDICATOR HAS
RED FLAG POLICY- IT IS NOT NECESSARY
BEEN REPORTED BY THE SELECTED CREDIT
TO PROVIDE ANY DOCUMENTATION TO
BUREAU
CORELOGIC-SAFERENT
NO CREDIT RECORD FOUND
SSN CANNOT BEGIN WITH THE NUMBER 9. A RETURN TO AMSI and CORRECT THE SSN
NUMBER STARTING WITH 9 COULD BE A
# ERROR IF A FOREIGN NATIONAL ENTER
VALID ITIN
ALL 0’s
RULE ALERT CREDIT
No Credit
NO CREDIT REPORT AT THE SELECTED
CREDIT BUREAU MATCHED THE
INFORMATION FOR THE APPLICANT.
COLLECTIONS ALERT
Landlord Collection
Records Found
INDICATES THERE ARE COLLECTIONS
PRESENT THAT VIOLATE YOUR
QUALIFICATIONS
LT ALERT
Landlord Tenant Court
Records Found
INDICATES THERE ARE EVICTION COURT
RECORDS PRESENT THAT VIOLATE YOUR
QUALIFICATIONS.
INSTRUCTIONAL MESSAGE PROVIDED ON
THE SCREENING REPORT DECISION
MESSAGING -AUTO APPROVED WITH
CONDITIONS
NONE INFORMATIONAL ONLY- PAYMENT
OF COLLECTIONS DEBT DOES NOT
GUARANTEE AN APPROVAL AND IS THE
SOLE RESPONSABILTY OF THE
APPLICANT
FOLLOW THE INSTRUCTIONS PROVIDED
ON THE SCREENING REPORT DECISION
MESSAGING
32
Tips on SSN Alerts
SSN Randomization
On June 25, 2011, the Social Security Administration)(SSA) began randomizing assignments of
Social Security Numbers (SSNs)
Previously SSNs were assigned following a distinct pattern for a given state and birth year allowing
the credit reports we provide to validate that information based on those consistently assigned
values.
After June 25, 2011 the SSA began issuing numbers randomly—not following the historic pattern
currently in use. Why? In part to help with identity theft and simply because some areas need more
numbers than the current number assignment logic allows.
The credit reports we provide have been affected because they use the distinct SSN pattern to
assist in determining validity. Since this change in 2011 the credit reports will only be able to
accurately validate SSNs issued before that date.
How to Validate
You can confirm directly with the applicant or ask the applicant to get confirmation from the Social
Security Administration.
It is not necessary to provide any documentation to CoreLogic-SafeRent this validation is for your
file only.
Alert Type
Short Description
Full Alert Description
SSN ALERT
SSN ALERT-UNABLE TO DETERMINE-SSN
MAY HAVE BEEN ISSUED AFTER June 2011
SSN ALERT
SSN BELONGED TO A PERSON REPORTED
DECEASED
Action
APPLICANT MUST PROVIDE PROOF OF
VALID SSN FROM THE SOCIAL SECURITY
ADMINISTRATION
APPLICANT MUST PROVIDE PROOF OF
VALID SSN FROM THE SOCIAL SECURITY
ADMINISTRATION
SafeRent User Name/Password Reset
When a new SafeRent username and password is created, before the user tries to
run SafeRent reports in Voyager, they must first log into www.residentscreening.net
and reset their password. This is one of the most common causes of report failure
for first time users of the CoreLogic-SafeRent integration.
You will be provided the following upon activation:
User Name
Generic Password
Account Number
CoreLogic-SafeRent Company Confidential 2014
34
SafeRent Q&A
Q: Will I still have access to screen applications directly through SafeRent Website?
A: No, all users are restricted you must utilizing the AMSI ESite interface workflow process.
Q: Will I have access to other services on the SafeRent Website www.residentscreening.net
A: Yes, services including Online Billing, Viewing Lease Decision Reports, Contacting Customer Service. NOTE: All billing is
delivered online you must access www.residentscreening.com from the Services menu click Billing on between the 1st-3rd
day of each month.
Q: I made an error when I initially ran the applicant(s) how do I correct the error?
A: All changes are to be made in ESite if a change to Name, DOB, SSN, Income or Address is performed the applicant(s)
must be reprocessed using the Credit Check Screen to provide a revised Lease Decision. You will be charged for
reprocessing if these changes are not made in the same day as the original processing.
What if my change is to just the unit # or rent?
Simply change the information in ESite there is no need to reprocess.
Q: If a prospect has an issue with the decision what steps do I take?
A: Provide the prospect with the Consumer Relations telephone number 1-888-333-2413. The prospect MUST initiate
contact, this cannot be initiated by the property.
What happens next?
An investigation and/or verification will be completed dependent upon the request made by the applicant. The
applicant can request that the property be notified of any changes made that affect their report outcome. No
information will be provided to the property unless authorized by the applicant through Consumer Relations.
How long does it take to get the result?
Approx. 14-30 days dependent upon the request
35
Q: I ran an application with multiple roommates. One of the roommates was declined and/or has decided not to move
in how do I remove the roommate?
A: Once an application has been processed there is no way to remove an applicant. You must reprocess the remaining
applicants to achieve the desired result.
Step 1: If the initial screening resulted in a denial, then go into Lease Changes / Lease Dates and remove the initial denial
(prior to rescreening). This will enable the new decision to be effective. If the initial screen resulted in an approval then client
will probably want to go to Lease Changes / Lease Dates to remove the initial approval date (prior to rescreening), however
this isn’t an absolute requirement.
Q: I ran an application with multiple roommates. One roommate has decided not to move in and is being replaced by
another roommate how do I process the additional roommate?
A: Enter the new roommate as an occupant. Follow the leasing steps ensuring that all information is completed on the guest
card and Occupants Tab. At the credit check screen mark all applicants as “”RESPONSIBLE”. Rescreen all applicants to
receive an updated the Lease Decision.
You can add additional occupants any time prior to the screening, you can also add occupants after the screening and request
a new screening for those specific occupants. As with Step #1 above what to do to enable the new decision to be applied to
the lease depends on the initial screening results. Once a move in has occurred the lease decision cannot be changed.
36
Common Errors -Special Characters and Punctuation
Refrain from using any special characters when entering information in guest cards or
credit application screens. The characters below will cause screening transactions to fail:
Example 1: When entering income, use whole dollar amounts only with no
decimal. $5,000.00 monthly income must be entered as 5000
Example 2: When entering SAM’S CLUB for employer, enter SAMS CLUB
37
Important Contacts
Who do I contact if I need further assistance with training or the process?
SafeRent Account Manager – Amber Harris
[email protected]
Local
(281) 758-0433
Toll Free (855) 671-3014
Mobile
(713) 823-9192
Who do I contact if I need a SafeRent User Name?
E-Mail: Amber Harris [email protected]
After receiving: Remember to login into www.residentscreening.net to change your password
Who do I contact if I need help with the AMSI Interface to SafeRent ?
E-Mail :[email protected] and your AMSI Internal Support

CoreLogic - SafeRent 2014 AMSI ESite Training

Transcription

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