Rental Report for Naromie Terma, 11/15/2019 at 2046 NE 162nd Street

California Required Notices

This report does not guarantee the accuracy or truthfulness of the information as to the subject of the
investigation, but only that it is accurately copied from public records, and information generated as a result of
identity theft, including evidence of criminal activity, may be inaccurately associated with the consumer who is
the subject of the report.
An investigative consumer reporting agency shall provide a consumer seeking to obtain a copy of a report or making a
request to review a file, a written notice in simple, plain English and Spanish setting forth the terms and conditions of his
or her right to receive all disclosures, as provided in CA Civil Code Section 1786.26.
This report was prepared using software provided by RP On-Site LLC, which can be contacted at: 2201 Lakeside Blvd.,
Richardson, TX 75082; 1-877-222-0384; or https://www.on-site.com/request-consumer-file-or-submit-dispute/.
Avisos obligatorios en el estado de California
El presente informe no garantiza la exactitud ni la veracidad de la información con respecto al tema de
investigación, sino únicamente que es una copia exacta de los registros públicos y es posible que la
información generada como consecuencia del robo de identidad, incluidos los registros de antecedentes
delictivos, se haya asociado por error con el consumidor objeto del presente informe.
Una agencia de investigación de verificación de crédito proporcionará al consumidor que desee obtener una copia de un
informe o que solicite la revisión de un archivo un aviso por escrito en inglés y español, escrito en un lenguaje simple y
claro, que establezca los términos y condiciones de su derecho a recibir todas las divulgaciones conforme a la Sección
1786.26 del Código Civil de California.
Este informe se preparo con el software proporcionado pro RP On-Site LLC, que puede contractarse en: 2201 Lakeside
Blvd., Richardson, TX 75082; 1-877-222-0384; or https://www.on-site.com/request-consumer-file-or-submit-dispute/.

Rental Report for Naromie Terma

Overall Recommendation
This application does not meet one or more of your requirements that is set to "Pass/Fail". This
recommendation has been automatically set to Decline. The Overall Recommendation was derived
DECLINE solely from your community's leasing criteria. On-Site makes no independent assessment of an
applicant's qualifications.

Score for Naromie Terma: DECLINE

Importance Result
Monthly income to rent ratio exceeds 0.0 Extremely
Gross monthly income after rent and estimated debt exceeds $1,000.00 Extremely
Maximum percentage of past due negative accounts is less than 25.0% Extremely No Credit
Unpaid collections and grossly delinquent past due balances do not exceed $200.00 Extremely
May have been through a bankruptcy Extremely
No Landlord Tenant Court records or unpaid landlord collections in the last 7 years Extremely
Criminal History: Felony Convictions Pass/Fail
Total Considered Felony Convictions - Not Considered N/A
Alcohol None ever Pass/Fail
Bad Check None ever Pass/Fail
Criminal Other None ever Pass/Fail
Drug Marijuana Use None ever Pass/Fail
Drug Use None ever Pass/Fail
Government Obstruction None ever Pass/Fail
Kidnapping No more than 1 ever Pass/Fail

Page 1 of 5
Rental Report for Naromie Terma, 11/15/2019 at 2046 NE 162nd Street

License None ever Pass/Fail

Motor Vehicle None ever Pass/Fail
Prostitution No more than 1 ever Pass/Fail
Society Other None ever Pass/Fail
Violent Non Fatal None ever Pass/Fail
Weapons None ever Pass/Fail
Wildlife No more than 1 ever Pass/Fail
Drug Manufacture Distribution - Not Considered N/A
Drug Meth Manufacture - Not Considered N/A
Fraud - Not Considered N/A
Property Destruction - Not Considered N/A
Property Other - Not Considered N/A
Property Theft - Not Considered N/A
Sex Offense Coerced - Not Considered N/A
Sex Offense Willful - Not Considered N/A
Violent Fatal - Not Considered N/A
Criminal History: Misdemeanor Convictions Pass/Fail
Total Considered Misdemeanor Convictions - Not Considered N/A
Alcohol No more than 1 ever Pass/Fail
Bad Check None ever Pass/Fail
Criminal Other No more than 1 ever Pass/Fail
Drug Manufacture Distribution No more than 1 ever Pass/Fail
Drug Marijuana Use No more than 1 ever Pass/Fail
Drug Meth Manufacture No more than 1 ever Pass/Fail
Drug Use No more than 1 ever Pass/Fail
Fraud No more than 1 ever Pass/Fail
Government Obstruction No more than 1 ever Pass/Fail
Kidnapping None ever Pass/Fail
License No more than 1 ever Pass/Fail
Motor Vehicle No more than 1 ever Pass/Fail
Prostitution No more than 1 ever Pass/Fail
Society Other None ever Pass/Fail
Violent Non Fatal No more than 1 ever Pass/Fail
Weapons No more than 1 ever Pass/Fail
Wildlife No more than 1 ever Pass/Fail
Property Destruction - Not Considered N/A
Property Other - Not Considered N/A
Property Theft - Not Considered N/A
Sex Offense Coerced - Not Considered N/A
Sex Offense Willful - Not Considered N/A
Violent Fatal - Not Considered N/A

*CR101595767*
Naromie Terma, 11/15/2019
Rental Report for Naromie Terma, 11/15/2019 at 2046 NE 162nd Street

Is not a registered sex offender Pass/Fail

WARNINGS
SPECIAL CONDITION: misdemeanor found
On-Site.com identified a misdemeanor on this report. This recommendation has been automatically set to Decline.

Credit Quick Summary

Custom scoring for this report:

Medical collections not considered Student loans not considered

Total monthly income (reported by Applicant) $2,400.00
Monthly income to rent ratio 0.0 (based on rent of $0.00)
Estimated monthly debt payments $54.00 (2% of monthly income)
Total number of accounts 0
Accounts with no late payments 0 (0 unpaid past due)
Accounts paid 30-59 days past due 0 (0 unpaid past due)
Accounts paid 60-89 days past due 0 (0 unpaid past due)
Accounts paid more than 90 days 0 (0 unpaid past due)
past due This applicant has no
Total outstanding balance $0.00 ($0.00 past due) credit accounts on file
Outstanding revolving debt $0.00 (0% of limit) ($0.00 past
due)
Outstanding loan balance $0.00 ($0.00 past due)
Bankruptcies, foreclosures, and legal 0
items
Collection total balance (includes past $1,080.00
due)
Landlord tenant court records found 0

Identity From Application From Equifax

Name: Naromie Terma NAROMIE TERMA
SSN: 592-37-**** 592-37-****
Birth Date: 11/**/1993 11/**/1993

Addresses From Application From Equifax

841 NE 90th street apt 2 1966 NE 123RD ST. 208
Miami, FL 33138 - US NORTH MIAMI, FL 33181 (Applicant)
Reported 11/2019
240 SE SAINT LUCIE BLVD 108
STUART, FL 34996 (Applicant)
Reported 4/2019
5211 SE MARINER GARDEN CI.
STUART, FL 34997 (Applicant)
Reported 4/2019
1003 SE BAHAMA AVE.
STUART, FL 34994 (Applicant)
Reported 4/2019

Employment From Application From Equifax

Applicant: Front desk
Brickell Heights
$28,800.00/Yr. Total monthly Income:
$2,400.00

Page 3 of 5
Rental Report for Naromie Terma, 11/15/2019 at 2046 NE 162nd Street

Criminal History
Requested For Location Searched Period Searched Requested Returned
Naromie Terma Multi-State: AK, AL, AR, AZ, All available records 11/15/2019 11/15/2019
CA, CO, CT, DE, FL, GA, HI,
IA, ID, IL, IN, KS, KY, LA,
MA, MD, ME, MI, MN, MO,
MS, MT, NC, ND, NE, NH,
NJ, NM, NV, NY, OH, OK,
OR, PA, RI, SC, SD, TN, TX,
UT, VA, VT, WA, WI, WV,
WY
Case Name on Record Birth Date Record Source
Number
15000834MMAXMX
TERMA, NAROMIE 11/**/1993 FLORIDA MARTIN COUNTY
NAROMIE TERMA (AKA)
Physical Description
Race: B; Gender: Female; Height: 5'6"; Hair Color: Black; Eye Color: Black;
Charge Offense Date Filed Date Plea Date Verdict Date Disposition
Date
4/5/2017 - Misdemeanor 3/11/2015 4/5/2017
(Guilty)
VIOLATION OF PROBATION (DST)
Charge Offense Date Filed Date Plea Date Verdict Date Disposition
Date
4/5/2015 - Misdemeanor 3/11/2015 4/5/2015
(Guilty)
POSSESSION OF CANNABIS 20
GRAMS OR LESS
Charge Offense Date Filed Date Plea Date Verdict Date Disposition
Date
3/11/2015 - Misdemeanor 3/11/2015
(NOLLE PROSED)
USE OR POSSESSION OF DRUG
PARAPHERNALIA
Charge Offense Date Filed Date Plea Date Verdict Date Disposition
Date
3/11/2015 - Misdemeanor 3/11/2015
(NOLLE PROSED)
RESISTING AN OFFICER WITHOUT
VIOLENCE

National Sex Offender Registry History

Requested For Date Requested Date Returned
Naromie Terma 11/15/2019 11/15/2019
Results
No Records Found

Landlord Tenant Court Records

There were no previous Landlord Tenant Court records found. Please see the collections and/or legal items listed below
for an item that appears to be from a property management company.

OFAC SDN Search

Requested For Results Returned
Naromie Terma No records found 11/15/2019

*CR101595767*
Naromie Terma, 11/15/2019
Rental Report for Naromie Terma, 11/15/2019 at 2046 NE 162nd Street

Risk Models
From Equifax
Risk Model Name Score Score Factors
FICO (Beacon) Unavailable Service not available, no qualifying accounts
(Applicant) present
Description
The FICO score is a widely used risk model that uses credit report data to predict the likelihood
of default. It is used most often by banks and credit grantors. The FICO score range is between
300 and 850 (the higher the score, the less risky the consumer). In the most recent study, the
median FICO score was 711.
From RealPage
There are no risk models on file with RealPage

Collections
From Equifax
Client Name Date Last Active Orig. Amount Balance
OCEAN POINTE 5/2015 2/2015 $1,940.00 $1,080.00
(Applicant) Comments
Collection Agency - CONSUMER DISPUTES THIS ACCOUNT INFORMATION

Page 5 of 5
  
Para  informacion  en  espanol,  visite  www.consumerfinance.gov/learnmore o  ‐ You  may  seek  damages  from  violators.  If  a  CRA,  or,  in  some  cases,  a  user  of 
escribe  a  la  Consumer  Financial  Protection  Bureau,  1700  G  Street  N.W.,  consumer  reports  or  a  furnisher  of  information  to  a  CRA  violates  the  FCRA,  you 
Washington, DC 20006.  may be able to sue in state or federal court.  
  ‐ Identity theft victims and active duty military personnel have additional rights. 
A  Summary  of  Your  Rights  Under  the  Fair  Credit  For more information, visit www.consumerfinance/learnmore. 
 
Reporting Act   States  may  enforce  the  FCRA,  and  many  states  have  their  own  consumer 
  reporting  laws.  In  some  cases,  you  may  have  more  rights  under  state  law.  For 
The  federal  Fair  Credit  Reporting  Act  (FCRA)  promotes  the  accuracy,  fairness  more  information,  contact  your  state  or  local  consumer  protection  agency  or 
and privacy of information in the files of consumer reporting agencies (CRA’s).  your state Attorney General. For information about your federal rights, contact:: 
There are many types of CRA’s, including credit bureaus and specialty agencies  TYPE OF BUSINESS: CONTACT:
(such as agencies  that sell information about  check  writing histories, medical  1.a. Banks, saving associations, and  a. Bureau of Consumer Financial 
records,  and  rental  history  records).  Here  is  a  summary  of  your  major  rights  credit unions with total assets of over  Protection 
under  the  FCRA.  For  more  information,  including  information  about  $10 billion and their affiliates.  1700 G Street NW 
additional  rights,  go  to  www.consumerfinance.gov/learnmore  or  write  to:   
Washington, DC 20006 
Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC  b. Such affiliates that are not banks,   

20006.  savings associations, or credit unions  b. Federal Trade Commission: 

  also should list, in addition to Bureau:   Consumer Response Center – FCRA 
You may have additional rights under Maine’s FCRA, Me. Rev Stat. Ann. 10,  Washington, DC 20580 
Sec 1311 et seq.  (877) 382‐4357 
  2. To the extent not included in item  a. Office of the Comptroller of the 
‐  You  must  be  told  if  information  in  your  file  has  been  used  against  you.  above:  Currency‐ Customer Assistance Group 
 
Anyone who uses a credit report or another type of consumer report to deny  1301 McKinney Street, Suite 3450 
a. National banks, federal savings 
your  application  for  credit,  insurance,  or  employment  –  or  to  take  another  Houston, TX 77010‐9050 
associations, and federal branches   
adverse  action  against  you  –  must  tell  you,  and  must  give  you  the  name,  and federal agencies of foreign banks  b. Federal Reserve Consumer Help 
address and phone number of the agency that provided the information.    
Center  
‐ You have the right to know what is in your file. You may request and obtain  b. State member banks, branches and 
P.O. Box 1200 
all the information about you in the files of a CRA (your “file disclosure”). You  agencies of foreign banks (other than 
Minneapolis, MN 55480 
will be required to provide proper identification, which may include your Social  federal branches, federal agencies,   

Security number. In many cases, the disclosure will be free. You are entitled to  and insured state branches of foreign  c. FDIC Consumer Response Center 

a free file disclosure if:   banks), commercial lending  1100 Walnut Street, Box #11 
‐ A person has taken adverse action against you because of information  companies owned or controlled by  Kansas City, MO 64106 
 
in your credit report;   foreign banks, and organizations 
d. National Credit Union 
‐ You are the victim of identify theft and place a fraud alert in your file;   operating under section 25 or 25A of 
Administration ‐ Office of Consumer 
‐ Your file contains inaccurate information as a result of fraud;   the Federal Reserve Act 
  Protection (OCP) 
‐ You are on public assistance;   c. Nonmember Insured Banks,  Division of Consumer Compliance and 
‐  You  are  unemployed  but  expect  to  apply  for  employment  within  60  Insured State Branches of Foreign  Outreach (DCCO) 
days.   Banks, and insured state savings  1775 Duke Street 
In  addition,  by  September  2005  all  consumers  will  be  entitled  to  one  free  associations  Alexandria, VA 22314 
disclosure every 12 months upon request from each nationwide credit bureau   

and  from  nationwide  specialty  CRA’s.  See  www.consumerfinance/learnmore  d. Federal Credit Unions 

for additional information.   3. Air carriers Asst. General Counsel for Aviation
  Enforcement & Proceedings 
‐  You  have  the  right  to  ask  for  a  credit  score.  Credit  scores  are  numerical  Department of Transportation 
summaries  of  your  credit  worthiness  based  on  information  from  credit  400 Seventh Street SW 
bureaus.  You  may  request  a  credit  score  from  consumer  reporting  agencies  Washington, DC 20590 
that create scores or distribute scores used in residential real property loans,  4. Creditors Subject to Surface Office of Proceedings, Surface 
but you will have to pay for it. In some mortgage transactions, you will receive  Transportation Board  Transportation Board 
credit score information for free from the mortgage lender.   Department of Transportation 
‐ You have the right to dispute incomplete or inaccurate information. If you  1925 K Street NW 
identify information in your file that is incomplete or inaccurate and report it  Washington, DC 20423 
to  the  consumer  reporting  agency,  the  agency  must  investigate  unless  your  5. Creditors Subject to Packers and  Nearest Packers and Stockyards 
dispute is frivolous. See www.consumerfinance/learnmore for an explanation  Stockyards Act  Administration area supervisor 
of dispute procedures.  
‐  CRA’s  must  correct  or  delete  inaccurate,  incomplete  or  unverifiable  6. Small Business Investment  Associate Deputy Administrator for
information.  Inaccurate,  incomplete  or  unverifiable  information  must  be  Companies  Capital Access 
removed or corrected, usually within 30 days. However, a consumer reporting  United States Small Business 
agency may continue to report information it has verified as accurate.   Administration 
‐  CRA’s  may  not  report  outdated  negative  information.  In  most  cases,  a  406 Third Street, SW, 8th Floor 
consumer reporting agency may not report negative information that is more  Washington, DC 20416 
than seven years old, or bankruptcies that are more than 10 years old.   7. Brokers and Dealers Securities & Exchange Commission
‐ Access to your file is limited. A CRA may provide information about you only  100 F St NE 
to people with a valid need – usually to consider an application with a creditor,  Washington, DC 20549 
insurer, employer, landlord, or other business. The FCRA specifies those with a  8. Federal Land Banks, Federal Land  Farm Credit Administration
valid need for access.   Bank Associations, Federal  1501 Farm Credit Drive 
‐  You  must  give  your  consent  for  reports  to  be  provided  to  employers.  A  Intermediate  McLean, VA 22102‐5090 
consumer  reporting  agency  may  not  give  out  information  about  you  to  your  Credit Banks, 
employer, or a potential employer, without your written consent given to the  and Production Credit Associations 
employer.  Written  consent  generally  is  not  required  in  the  trucking  industry.  9. Retailers, Finance Companies, and  FTC Regional Office for region in 
For more information, go to www.consumerfinance/learnmore.  All Other Creditors Not Listed Above  which the creditor operates or 
‐  You  may  limit  “prescreened”  offers  of  credit  and  insurance  you  get  based  Federal Trade Commission: Consumer 
on  information  in  your  credit  report.  Unsolicited  “prescreened”  offers  for  Response Center – FCRA 
credit and insurance must include a toll‐free phone number you can call if you  Washington, DC 20580 
choose to remove your name and address from the lists these offers are based   
(877) 382‐4357 
on. You may opt‐out with the nationwide credit bureaus at 1‐888‐567‐8688.  
 

 
 Renter Relations
307 Orchard City Drive | Suite 110 | Campbell, CA 95008
Live Help: www.RenterRelations.com

Fair Credit Reporting Act Disclosures

Information on file: On-Site does not maintain a file on you. We are a reseller of credit and public records
information, and all of that information comes from sources outside On-Site. That means that each time we
generate a new report for a housing provider, we go to our outside sources for that information and pass it on in
the form of our report to the housing provider. We do not generate reports from our own data because we
maintain no data—it all comes from third parties.

Sources of the information in our report:
Any credit information in our report is provided to us by one or more of the credit bureaus listed below. Our
report will indicate the credit bureau where On-Site requested credit information about you.
• Equifax, Inc.: P.O. Box 740256, Atlanta, GA 30374-0241; toll free: (800) 685-1111
http://www.equifax.com/online-credit-dispute
• Experian, Inc.: P.O. Box 2002, Allen, TX 75013; toll free: (888) 397-3742
http://www.experian.com/disputes
• TransUnion, LLC: P.O. Box 1000, Chester, PA 19022; toll free: (800) 916-8800
http://www.transunion.com/corporate/personal/creditDisputes.page

If our report indicates that we requested information about possible criminal records or landlord tenant court
records, please contact us at (866) 266-7483 and our Renter Relations team will provide information about our
sources to you.

Previously reports: On-Site is unable to identify companies or persons who have previously requested a report
about you for employment purposes or any other purposes because On-Site does not maintain a file on you.

Dates, original payees, and amounts of bad checks on file: On-Site does not maintain information about bad
checks.

Your number of credit inquiries within the preceding year: If a housing provider requested credit information
about you, the number of credit inquiries made about you in the past year is located at the bottom of our
report. Housing providers do not use credit inquiry information in our report as a factor when they make their
decisions.

Credit Scores: You have the right to request and obtain a credit score; however, On-Site does not generate or
maintain credit scores. If a housing provider created or used a credit score in making a decision about you, the
score will appear in the adverse action notice that the housing provider generated and provided to you, or it will
be a credit score from FICO that appears in our report.

 

A Summary of Your Additional Rights in Florida 
You  have  a  right  to  place  a  "security  freeze"  on  your  consumer  report,  which  will  prohibit  a  consumer 
reporting agency from releasing any information in your consumer report without your express authorization. 
A security freeze must be requested in writing by certified mail to a consumer reporting agency. The security 
freeze  is  designed  to  prevent  credit,  loans,  and  services  from  being  approved  in  your  name  without  your 
consent. 
 
To place a security freeze on your credit report, you must contact each of these credit reporting agencies: 
 
Equifax Security Freeze 
P.O. Box 105788 
Atlanta, GA 30348 
(800) 685‐1111 
https://www.freeze.equifax.com 
 
Experian Security Freeze 
P.O. Box 9554 
Allen, TX 75013 
(888) 397‐3742 
https://www.experian.com/freeze/center.html  
 
TransUnion LLC 
P.O. Box 2000 
Chester, PA 19022‐2000 
(888) 909‐8872 
www.transunion.com/personal‐credit/credit‐disputes/credit‐freezes.page 
 
YOU  SHOULD  BE  AWARE  THAT  USING  A  SECURITY  FREEZE  TO  CONTROL  ACCESS  TO  THE  PERSONAL  AND 
FINANCIAL  INFORMATION  IN  YOUR  CONSUMER  REPORT  MAY  DELAY,  INTERFERE  WITH,  OR  PROHIBIT  THE 
TIMELY  APPROVAL  OF  ANY  SUBSEQUENT  REQUEST  OR  APPLICATION  YOU  MAKE  REGARDING  A  NEW  LOAN, 
CREDIT, MORTGAGE, INSURANCE, GOVERNMENT SERVICES OR PAYMENTS, RENTAL HOUSING, EMPLOYMENT, 
INVESTMENT,  LICENSE,  CELLULAR  PHONE,  UTILITIES,  DIGITAL  SIGNATURE,  INTERNET  CREDIT  CARD 
TRANSACTION, OR OTHER SERVICES, INCLUDING AN EXTENSION OF CREDIT AT POINT OF SALE.
 
When  you  place  a  security  freeze  on  your  consumer  report,  you  will  be  provided  a  personal  identification 
number  or  password  to  use  if  you  choose  to  remove  the  freeze  on  your  consumer  report  or  authorize  the 
release of your consumer report for a designated period of time after the security freeze is in place. To provide 
that authorization, you must contact the consumer reporting agency and provide all of the following:
1. The personal identification number or password.
2. Proper identification to verify your identity.
3. Information specifying the period of time for which the report shall be made available.
4. Payment of a fee authorized by this section.
 
A consumer reporting agency must authorize the release of your consumer report no later than three business 
days after receiving the above information.
 
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of 
the  person  or  entity,  with  which  you  have  an  existing  account,  that  requests  information  in  your  consumer 

 
 

report  for  the  purposes  of  reviewing  or  collecting  the  account.  Reviewing  the  account  includes  activities 
related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
 
You have the right to bring a civil action against anyone, including a consumer reporting agency, who fails to 
comply  with  the  provisions  of  s.  501.005,  Florida  Statutes,  which  governs  the  placing  of  a  consumer  report 
security freeze on your consumer report.