What is ICRAA? Who is covered by ICRAA? Is my Zillow Application covered by ICRAA?
ICRAA (which stands for Investigative Consumer Reporting Agencies Act) is a California law that regulates the provision and use of consumer reports, including credit history.
On Zillow Applications, the credit report you receive will be governed by ICRAA if any of the following apply:
- The rental decision is being made in California
- The report is for a renter located in California
- The property is located in California
Generally, the information in the report will not differ from a non-ICRAA report, but there are differences in how renters would dispute information in an ICRAA report.
On your disclosures and/or adverse action notices, you may use this contact information for any credit reports that were processed under ICRAA:
Experian Background Data, Inc.
PO Box 1458
Allen, TX 75013
Toll-free number: (833) 256-3148
See more information on ICRAA and how Experian processes ICRAA reports.