Credit Policy

Who pays the fee

Applicant pays the third-party screening fee when PMMA initiates Equifax / TransUnion / Rentcheck (or another chosen vendor). Owner-paid only if agreed in writing for a specific listing.

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What counts as official

A PMMA-initiated Equifax, TransUnion, or Rentcheck report is the screening record. Applicant-uploaded credit PDFs or screenshots are intake only, not a verified score; we may still require a fresh pull.

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30-day official reports

If the applicant provides an official consumer report dated within 30 days from Equifax, TransUnion, or an accepted vendor, PMMA may accept it instead of initiating a new pull.

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Privacy

Screening data is used only for tenancy decisions.

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