Johnny is a screening and fraud strategy leader with 20+ years in rental housing and proptech. He builds screening systems designed to hold up under scrutiny, not just produce decisions.
Consumer data and process data don't belong in the same database. Most screening systems mix them anyway and compliance teams pay for it when something goes wrong. This is an architecture question the industry hasn’t resolved yet.
Most operators think their biggest FCRA risk is bad data. It isn't. It's the process gaps hiding just below the surface — the missing notices, the inconsistent criteria, the decisions nobody can reconstruct.
Every vendor claims they cut fraud or improved accuracy. The problem isn't the claim; it's that most operators don't know how to inspect the logic behind it. Here's the five-step breakdown
Most operators don’t know whether their screening vendor is a Consumer Reporting Agency. That determines whether your process is governed by FCRA requirements and whether it can be defended when challenged.
