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Understanding the FCRA

Fair Credit Reporting Act

Property Focus is not a consumer reporting agency as defined in the Fair Credit Reporting Act ("FCRA"), and the information in the databases has not been collected in whole or in part for the purpose of furnishing consumer reports, as defined in the FCRA.

You are prohibited from using Property Focus to do any of the following:

  1. Determine someone's eligibility for personal credit or insurance, or assess risks related to existing credit obligations.
  2. Make decisions about hiring, promoting, reassigning, or retaining someone for employment (this includes household workers like babysitters, cleaners, or contractors).
  3. Use the information for any personal business transactions with others (such as renting an apartment).

Please see our Dos and Dont’s page for more information.

If you need to access information for these purposes, you’ll need to use an FCRA-compliant service, such as:

The information in our reports and on our website may not necessarily be 100% accurate, complete, or current and may include AI generated content. It should not replace your own research, especially for sensitive information like owners, residents, mortgages, and liens. Some sources such as public municipalities may be slow to update their information digitally. Therefore, we cannot guarantee the accuracy, completeness or timeliness of all results.

It is PROHIBITED by law to use our service or the information contained on our website to make decisions about employment, insurance, consumer credit, tenant screening, or for any other purpose subject to the Fair Credit Reporting Act, 15 USC 1681 et seq. Property Focus does not provide private investigator services or consumer reports, and is not a consumer reporting agency as defined by the Fair Credit Reporting Act. For more information about our prohibited and permitted uses please review our Dos and Don’ts and our Terms of Use.