Quiz sprawdzający najemców AI

Odpowiedzi i wyjaśnienia pojawiają się w miarę rozwiązywania quizu.

1. Why does reporting an eviction filing without its outcome mislead a landlord?
   • Filings are always sealed after 30 days
   • A dismissed or settled case looks the same as a judgment against the tenant
   • Filings contain the tenant's full credit history
   • Only criminal courts record eviction outcomes
2. A screening report attaches a stranger's conviction to an applicant who shares his name. Which vendor practice most likely caused this?
   • Using a 0-1000 score scale
   • Pulling data from sex offender registries
   • Matching court records on name alone without strong identifiers like full date of birth
   • Reinvestigating disputes within 30 days
3. A landlord relies entirely on a vendor's decline recommendation. Who owes the applicant an adverse action notice under the FCRA?
   • The landlord, who made the decision to deny
   • Nobody, because the vendor's algorithm decided
   • Only the credit bureau that supplied the data
   • The local housing court
4. Which item must an FCRA adverse action notice to a rental applicant include?
   • The landlord's full scoring formula
   • A list of other applicants who were approved
   • The applicant's right to a free copy of the report within 60 days and the right to dispute it
   • A statement that the vendor made the final decision
5. How can a screening model produce disparate impact without using race as an input?
   • By running on a cloud server
   • By weighting factors like criminal records or credit history that fall unevenly across racial groups
   • By using a numeric score instead of a letter grade
   • By returning results in under a minute
6. What was the 2024 SafeRent Solutions settlement in Massachusetts about?
   • Selling tenant data to advertisers
   • Failing to verify landlords' identities
   • Charging applicants duplicate application fees
   • Claims that its score disproportionately harmed Black and Hispanic applicants using housing vouchers
7. Why is a credit-heavy score a weak guide for an applicant with a housing voucher?
   • Voucher holders have no credit files
   • A housing authority pays much of the rent, so personal credit says less about whether rent gets paid
   • Vouchers make FCRA not apply
   • Credit scores are illegal in rental housing
8. Under the FCRA, what is generally true of adverse items other than convictions?
   • They can be reported forever
   • They must be reported for at least ten years
   • They generally cannot be reported once they are more than seven years old
   • They are only reportable in the applicant's home state