The process will include an evaluation of your credit history, landlord history and performance, employment history and income. Your preapproval will be based on the combination of the factors below:
• Credit score in excess of 650
• DecisionPoint score in excess of 90
• Employment history of more than 12 months at current position
• Net Income to Debt ratio of 50% or less
• Gross income to rent ratio of 3 to 1
• No eviction filings or judgments
• No smoking
If based on the above criteria you are preapproved, we will notify you in person, via email or in writing and conduct, at that time, a Criminal Background Check. This reporting will include any information about your individual criminal background, including but not limited to information produced by federal, state, and local law enforcement agencies, federal and state courts or consumer reporting agencies.
Within five days of obtaining the Criminal Background Check, we will provide it to you via email, text, certified mail, or in-person along with a notice of your right to dispute the accuracy and relevance of the information contained in the report. Within five business days after we provide the Criminal Background Check to you, you may submit evidence disputing the accuracy or relevance of information related to any criminal convictions from three years before the date of your rental application. Additionally, you have the right to submit evidence of your rehabilitation.
Within three days of your submission of evidence disputing the accuracy or relevance of any criminal convictions from within three years of the date of your rental application, we will conduct an individualized assessment of your criminal convictions to determine whether denial of your rental application is necessary to protect against a demonstrable risk to the personal safety or property of any other person affected by the transaction. “Demonstrable risk” refers to the likelihood of harm to other residents’ personal safety and/or likelihood of serious damage to property. The “individualized assessment” we will conduct will consider all factors relevant to your conviction history from the previous three years. These factors include, but are not limited to, the following: (1) nature and severity of the criminal offense and how recently it occurred; (2) nature of the sentencing; (3) number of the your criminal convictions; (4) length of time that has passed since your most recent conviction; (5) age of the individual at the time the criminal offense occurred; (6) evidence of rehabilitation that you submit; (7) individual history as a tenant before and/or after the conviction; (8) whether the criminal conviction(s) was related to or a product of the applicant’s disability; and (9) if the applicant is a person with a disability, whether any reasonable accommodation could be provided to ameliorate any purported demonstrable risk.
After conducting an individualized assessment, we will either approve or deny your rental application. If we deny your rental application, we will notify you in writing and explain the reasons why the denial is based on the conviction is necessary to protect against a demonstrable risk to the personal safety and/or property of others affected by the transaction.
If you are subject to a current sex offender registration requirement pursuant to the Sex Offender Registration Act (or similar law in another jurisdiction), or if you are subject to a current child sex offender residency restriction, no individualized assessment will be performed, and your rental application will be denied.
We are not required to hold the apartment open for you during the Criminal Background Check dispute/decision process if another prequalified applicant is approved for the apartment.
The Cook County Commission on Human Rights’ website is available here: https://www.cookcountyil.gov/agency/commission-human-rights-0. The Commission’s address is 69 W. Washington St., Ste. 3040, Chicago, IL, 60602. The Commission’s phone number is 312-603-1100.
In conjunction with your application for housing, we Meltzer Real Estate will be conducting, with the help of our screening company, National Tenant Network, a review of your application to determine your qualification for the tenancy you are applying for. Your background information may be obtained in the form of consumer reports and / or investigative consumer reports. These reports may be obtained at any time after receipt of your authorization and, if approved as a tenant, throughout your contract period. The scope of this reporting will include any information about your individual background, including but not limited to those produced by federal, state, and local law enforcement agencies, federal and state courts or consumer reporting agencies.
The application processing fee is $50 per applicant and is nonrefundable.