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Open the companion tool →Why there are two tracks, not one
The landlord decided, but the data usually came from a screening company. If the report is wrong, only the reporting agency can correct it — and a correction changes every future application, not just this one.
Denial notices exist because the law requires disclosure of the basis in many cases, including the name of the agency used. Asking in writing converts a rejection into a documented process, which is also what a fair-housing complaint is built from.
The protocol
- Find the notice or letter and note what it says: which agency was used, what was reported, and the date. If you never received one, ask the landlord for it in writing.
- Request your file from the screening agency. You are entitled to a copy, and it is usually free if you were denied within the last 60 days.
- Check every item: identity, address history, eviction records, criminal records, credit lines, and any item that belongs to another person with a similar name.
- Dispute inaccurate items with the agency in writing, and keep the confirmation. Ask for the correction to be sent to anyone who received the report recently.
- Write to the landlord separately: ask what was used in the decision, whether an automated system was involved, and whether they will reconsider with a corrected report or additional information.
- Keep dates on everything. Complaint deadlines are short, and the date of the denial is the starting point.
What the tool does
Build a two-track appeal for an automated screening denial: a dispute with the screening agency and a written request to the landlord, with deadlines you can track. It stores nothing.
Limit first: This is a letter-preparation aid, not legal advice. Housing and screening rules differ by state and country, and deadlines are strict.
Open the companion tool →One human next step
If the correction does not resolve it, or if the denial looks like discrimination, contact a local tenant rights organization, a legal aid office, or the relevant fair-housing agency; HUD and state agencies accept complaints and can investigate. File before any deadline you are given.
Research log and safety checks
AI-assist path: not used for a verdict. The artifact assembles two documents the reader must send and keep; the value is in the routing (report versus decision) and the dates, which no model can supply. §6.10: not a frontier-pace topic.
§0.5 protection result: category is rights-recourse; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.