# How to Check Your NCAC & Rental Screening Reports | Broken Lease Team > Request your rental screening reports under the FCRA. Which vendors to contact, what fields to read, and how to dispute errors before you apply. URL: https://brokenleaseapartments.com/guide/how-to-check-your-ncac-and-rental-screening-reports/ Last-Modified: 2026-07-16 Guide # How to Check Your NCAC and Rental Screening Reports Request your rental screening reports under the FCRA. Which vendors to contact, what fields to read, and how to dispute errors before you apply. ![Renter taking notes on a rental screening report](/images/misc/person-taking-notes-while-reading-printed-rental-s.webp) Our team sees the impact of rental screening errors on a daily basis. A 2025 study by Rent Butter found that 1 in 7 traditional background checks contains missing or inaccurate data. These hidden flaws can quickly derail your plans, so knowing how to check NCAC rental history is essential. We recommend pulling your own files long before signing an application. The Fair Credit Reporting Act (FCRA) guarantees your right to access these records from every major vendor. Let’s look at the data, what it actually tells us, and explore a few practical ways to review your history. ## The three vendors to check: How to check NCAC rental history Our team suggests starting with these three specific companies because they dominate the multi-billion dollar screening industry. Requesting your report from NCAC, RealPage LeasingDesk, and SafeRent Solutions covers the most common databases used across the US. Here is a breakdown of the vendors you need to contact: - **NCAC:** Independent operators and mid-size management companies often use the National Consumer Anti-Fraud Center as their primary check. - **RealPage LeasingDesk:** This system is bundled with a larger software suite and often appears as “LeasingDsk” during a hard credit pull, remaining visible for up to two years. - **SafeRent Solutions:** Formerly known as CoreLogic SafeRent, this tool bundles credit and eviction checks and transitioned to using VantageScore 4.0 data after a 2024 legal settlement. We advise you to request rental screening report data from all three platforms, since they do not share files with each other. Over 90% of US property managers now run background checks on prospective applicants. Your application will almost certainly pass through one of these major systems. We remind clients that a community denying your application must disclose which vendor they used for the check. Each vendor maintains its own consumer-request portal on its respective website. That specific vendor must provide a free report if you request it within 60 days of the denial. ## What fields to read Our specialists find that the most damaging errors hide in these specific sections. When your report arrives, you must immediately review the previous address history, balance amounts, and reason codes for any discrepancies. The Consumer Financial Protection Bureau (CFPB) noted in a recent review that nearly 22% of eviction court records can be ambiguous or misleading. ![Numbered checklist of steps to request rental screening reports](/images/misc/numbered-checklist-graphic-of-steps-to-request-a-r.webp) We always verify the following data points on every single document: - **Former community name:** Ensure the listed property is actually a place you rented. - **Move-in and move-out dates:** Verify that these timelines perfectly match your personal lease records. - **Balance owed:** Confirm this number reflects your final move-out statement without inflated late fees. - **Status:** Check if the account shows as paid, unpaid, or wrongly sent to collections. - **Date reported:** Note this date, as it heavily impacts lookback-window calculations. - **Notes and reason codes:** Read short codes like “lease terminated early” closely for accuracy. A simple name-matching error could attach someone else’s criminal or civil record to your file. Property communities frequently make mistakes by adding utility charges after the fact that should not be included. Our consultants also see duplicate records punishing applicants twice for a single resolved issue. The wrong community might show up on your history due to a wild-card name search. ## How to dispute To dispute an error, you must submit a written request directly to the reporting vendor with your identifying details and supporting evidence. Our experience shows that sending a physical letter via certified mail creates the strongest paper trail. Federal law under 15 U.S.C. § 1681i gives the screening company exactly 30 days to investigate your claim. The vendor must investigate the issue and respond to you in writing within that specific window. We recommend including the following elements to ensure a successful dispute package: - Your full legal name and current address. - The specific record you are contesting. - The exact reason the information is factually wrong. For instance, SafeRent Solutions uses Form CRD-002, which you can email directly to their consumer support team. Concrete proof is essential for the investigation process. Our team suggests attaching paid-in-full letters, receipts, or lease termination confirmations to force a correction. If the vendor cannot verify the disputed data, the law requires them to remove it. A successful correction can quickly turn a denial into an approval at properties that initially flagged the record. ## What to do with the results Our firm uses this knowledge to target communities that match your exact fee and income scenario. A common thought for applicants is “I need to check my rental history,” and an accurate screening report lets you plan a strategy around the specific data property managers will see. If your report is clean and correct, you are completely ready to proceed. We advise halting any new applications if your file contains errors. You must dispute those inaccuracies before you apply anywhere else. A pending dispute does not hurt your profile, but a resolved dispute fundamentally changes the applications ahead of you. Our consultants know that an accurate but problematic record requires immediate planning. You still have an advantage by knowing exactly what the other side sees. That insight lets you gather documentation or settle balances before submitting an application. ### Handling Accurate but Problematic Records We often suggest targeting communities that use a completely different vendor. Different management companies rely on different databases, so a record in one system may not appear in another. You can plan a much smoother transition by understanding the screening landscape. Our free search [/contact/ →](/contact/) starts from that exact same picture to help you make informed decisions. ## Related reading Reviewing additional resources will help you successfully complete the leasing process, especially when you need to know how to check NCAC rental history. You can find more detailed breakdowns of specific vendor differences below. Our guides explain the timelines and comparisons you need to know. - How rental history screening works: NCAC vs LeasingDesk vs SafeRent [/guide/how-rental-history-screening-works-ncac-leasingdesk-saferent/ →](/guide/how-rental-history-screening-works-ncac-leasingdesk-saferent/) - How long does a broken lease stay on your rental history? [/guide/how-long-does-broken-lease-stay-on-rental-history/ →](/guide/how-long-does-broken-lease-stay-on-rental-history/) ## Frequently asked Is it free to request my rental screening report? Under the FCRA you're entitled to your file; some vendors provide it at low or no cost. If you were denied recently, the community must tell you which vendor they used, and that vendor is required to give you a free report. What if there's an error on my report? Dispute it with the vendor in writing. Under the FCRA the vendor must investigate within 30 days. Correcting a real error can materially change your approval odds. Should I check before applying? Yes. It avoids surprises, saves wasted application fees at communities where the flag would trigger denial, and gives you time to dispute any errors before they hurt an application. ## Turn this into a placement. Our agents will match you with Texas communities that fit your specific scenario. Start Free Search [/contact/ →](/contact/) Call 800-291-0959 [tel:+18002910959 →](tel:+18002910959)