Archive for the ‘Equifax canada’ Category

Tenants Are Preparing A MASSIVE Class Action Lawsuit Because Tenants Are Being Treated Unfairly, LTB Is A Puppet Of Landlords, We Need To Be Compensated For The Lies of March 2020!

Friday, July 30th, 2021

Tenants Were Provided with Bad Faith Advice From Ford In March 2020! The LTB and Landlords Have Abused This Bad Faith Advice To Trample Tenant Rights!

We Will Be Compensated By Both Ford And The Landlords Who Have Used This Bad Faith To Evict Tenants And Destroyed Lives!

Call To Action TENANTS!

We have been reaching out to Tenants to explain to them how to really handle bad landlords for maximum winning. Protests and “uniting together” physically is useful but not the ultimate nuclear bomb we need.

Landlords can just hire security, wait us out, and use our rent money to hire people to harass us.

You need to hit landlords in what is the only thing they care about: their money and their feeling they are superior and untouchable!

And how do you do it?

Make them pay fees and make them personally responsible!

You file a class action lawsuit against the owners of your rental building!

Stop feeling intimidated, stop being depressed, and fight back and win! Yes, you have power they don’t want you to know you have!

Be aggressive and put your landlord/building owner on the Stand in Court where they cannot lie or they will have a criminal charge of perjury! This is their nightmare!

Time For Justice! We Will Now Stop Begging For Fairness And Put The Ontario Government and The Landlord and Tenant Board On Trial!

In March 2020 Premier Doug Ford said tenants don’t have to pay rent if they can’t afford to.

Now, over a year later, tenants are being evicted just for following the order from Premier Ford.

He set us up.

He lied.

All so-called landlord claims will lose as the situation now is worse for Tenants than ever before

The key step that showed their actions was deleting all the “LTB interpretations” on the LTB website…meaning all former interpretations of the rules at the LTB were “vanished” and replaced with pro-landlord pablum!

Meanwhile the LTB continued to grovel to the powerful landlord interests. It so not only pathetic, it shows the LTB has become biased against Tenants since the pandemic began!

This is unfair and unacceptable! And we will prove in in the courts!

Tenants across Ontario are working with legal aid clinics to provide strategic assistance and to deliver a notice letter to The Province of Ontario pertaining to compensation for the financial losses of TENANTS and to make immediate changes to the unfair Residential Tenancies Act failing which legal action will be contemplated to provide fairness to TENANTS.

Fundraising for the legal costs begins SOON.

TENANTS have suffered immense and unpublicized losses due to the Government’s unilateral decision to close the LTB and clog the redress process by banning Tenant legal complaints about harassment, abuse, and lack of maintaining our homes.

All this unilaterally decided by the Government without any compensation to TENANTS.

The Government has repeatedly said  “We remain committed to providing fair, effective and timely access to justice”.

For TENANTS, it hasn’t been fair, it hasn’t been effective and there certainly hasn’t been timely access to justice.

TENANTS are seeking restitution and compensation for millions in rental losses due to no fault of their own retroactive to March 1, 2020.

Tenants Are Being Evicted Without Fair Process

Contract law is not being adhered to and this reflects a direct bias to us.

Additionally, we are not afforded the same legal rights as other contract holders, access to justice or access to the criminal laws. No other category is denied these rights.

No person can enter a grocery store and get kicked out just because it can take a couple of minutes to pull our debit cards.

Once COVID hit and the Provincial Government placed a moratorium on evictions, TENANTS faced extreme financial hardship.

The Government released a financial package for every group impacted by the pandemic: commercial landlords, students, big corporations, airlines, NGOs, unemployed, farmers, non profits, artists, civil servants etc….BUT NOT TENANTS!

Doug Ford Lied And The Landlord Tenant Board Is Trampling On Tenant Rights

NO COMPENSATION WAS PROVIDED FOR TENANTS AFTER PREMIER FORD SAID WE DON’T HAVE TO PAY RENT!

And the messaging from our Ontario Premier, very early into the pandemic, was that if rent could not be paid then the tenant would not need to pay the rent owed and the Provincial Government would not make these same tenants face eviction.

This was a lie and this lie has cause billions of dollars in damages and lives destroyed!

The LTB was already being investigated by the Ombudsman of Ontario, due to the increasingly lengthy delays in Tenants obtaining a hearing for anything from damages to property, non payment of rent, illegal activities in the rental property, etc.

But this failed.

We need your financial support. This is a call to action. It’s time to stop the bias towards TENANTS.

Tenants have reached out to legal clinics to provide strategic assistance to The Province of Ontario pertaining to compensation for the financial losses of TENANTSW and to make immediate changes to the RTA failing which legal action will be contemplated to provide fairness to TENANTS.
The funds will be used in an attempt to resolve the following concerns:
  • – compensation for TENANT arrears
  • – immediate changes to the residential tenancy act to help TENANTS
  • – a public online database of LANDLORD rental history
  • – prosecute repeat LANDLORD offenders
  • – grant more powers to the police for disputes at rental properties

If you are wondering what a class action lawsuit is, you’re not alone.

Class action lawsuits tend to be highly complex, and they require an experienced lawyer at the helm. The actual definition of a class action, though, is fairly simple: in a class action, a person or group of people sues on behalf of a large group of people who all suffered the same legal injury.

For example, someone could file a class action suit on behalf of everyone who:

  • Was billed for the same unauthorized charges
  • Saw the same false ads before paying for a product or service
  • Bought the same defective product
  • Suffered losses from investing in the same security
  • Paid too much for a product or service because of the same anticompetitive conduct

The person who starts the lawsuit is called the named plaintiff or class representative. The people proposed to be represented are called the class members. Class action lawsuits typically include hundreds or thousands of class members.

If you are having problems with a company—whether it’s a website, a company you invested in, or even your employer OR YOUR LANDLORD—many other people may be having the same problems.

In these situations, a class action suit is often the best solution because it can allow many people across the country to benefit from a single lawsuit. It also empowers individuals who may otherwise lack a means of speaking out to stand up against a powerful company in court.

Any injured person can initiate a class action suit, but specific requirements apply. Below we outline the class action requirements and what you can expect as a class member or a class representative.

This is a call to action. It’s time to stop the bias and unfair government attacks on TENANTS. 
It’s time Tenants put Ford, Clark and the LTB on the stand, under oath, to seek the Truth!
We will win!

TENANT GAME CHANGER! TENANTS CAN NOW REPORT YOUR LANDLORDS AND LEAVE REVIEWS ANONYMOUSLY! (Without Consent)

Tuesday, April 13th, 2021

There Is A Great New Company That Gives Tenants The Power To Rate Their Landlord! You Can Post Anonymously And Consent Is Not Required! Click On GOOD NEIGHBOUR For Justice!

We’ve heard about so many slimy landlord “help” companies over the past few years. It’s open-season on Tenants!

Whether it’s creating secret bad tenant lists or promising defamatory ways to “kick the asses” of Tenants these companies are not even really helping landlords, but they appeal to landlords’ worst instincts.

As expected, they have a lot of “pumpers” providing misinformation to get their cut of the pie at the expense of good landlords. It’s all about the $$$$.

It’s a shame even good landlords are getting suckered in and will they will pay for their actions soon. It’s just a matter of time, you will see.

Now Tenants Can Fight Back Against Bad Landlords And Their Misleading, Slimy Services

Great news for Tenants and good landlords with a new site that empowers Tenants to report and review your landlords anonymously and without their consent!

The Company is Called “Good Neighbour” And It’s A Game Changer

This amazing app is free and here’s what they are all about:

-Learn about your future home from those who have lived in the unit before you.

-Share your rental experiences anonymously with others.

-Share your wisdom.

Get The Truth Told! Personal Experiences Are Key!

Apartment listings don’t paint the full picture.

-What’s the landlord like?

-What about the neighbours?

-Is the management company helpful?

-What’s it like living in the neighbourhood?

Share your experience (anonymously) to help your future neighbours.

You don’t need your landlords’ consent 8-)

Why Can’t We Report Landlords To Credit Bureaus Like Landlords Do?

Because the whole reporting thing is a marketing scam and basically useless!

The whole “report Tenants to the credit bureaus to raise or drop their score” isn’t true like some companies are marketing.

It’ ridiculous and just marketing campaign to get naïve, desperate landlords to pay money and give them the fake illusion of power, LOL!

The dirty little secret the shills won’t tell you is landlords reporting tenants rent doesn’t dent the Tenants’ credit score beyond a small, tiny way that has have no real impact!

It’s basically useless and total gaslighting and won’t help or harm credit scores except in a very, very tiny fashion.  People think this reporting will play a big role in a tenants credit score, but it’s not true!

Sadly so many have been misled and so many small landlord shills are misleading landlords to try to catch some ca$h.

So no need for Tenants to follow this marketing scam! The real way is to review your landlords and tell the truth about them! This will help good landlords and protect us from the slumlords out there!

 

JOIN NOW…IT’S FREE! REVIEW ALL YOUR LANDLORDS, EVEN PREVIOUS LANDLORDS!

.

THIS HELPS LANDLORDS BECAUSE GOOD REVIEWS WILL HELP THEM FIND GOOD TENANTS!

GOOD LANDLORDS ARE GOING TO BE REWARDED!

IT’S A KICK TO THE A** OF BAD LANDLORDS WHO NEED TO CHANGE THEIR WAYS OR BE PUNISHED

CLICK ON GOOD NEIGHBOUR, IT’S FREE!

https://usegoodnbr.com/

 

Thursday, April 8th, 2021

April 8, 2021

TO:                 Ontario Landlord Association Stakeholders

FROM:           Karen Restoule, Associate Chair

RE:                 Expedited Enforcement of Eviction Orders

On April 8, 2021, the Government of Ontario issued Ontario Regulation 266/21 made under the Emergency Management and Civil Protection Act.

This regulation states that the Court Enforcement Office (Sheriff) cannot enforce any Landlord and Tenant Board (LTB) eviction order unless the order asks the Sheriff to expedite the enforcement.  The Sheriff can resume enforcing all eviction orders after the Government of Ontario removes the regulation.

The LTB is continuing to hold hearings for all types of applications and issue orders, including orders for evictions. This will help ensure that tenants and landlords seeking resolution from the LTB are provided access to justice with minimal service delays.

The purpose of this memo is to provide information on when an eviction order issued by the LTB may include a request to the Sheriff to expedite enforcement.

Section 84 of the Residential Tenancies Act, 2006 (“RTA”) says that the LTB must include such a request to the Sheriff in the order where the tenant is being evicted for certain types of very serious conduct, and the adjudicator has not delayed the enforcement date pursuant to section 83(1)(b) of the RTA. The grounds for eviction in section 84 are:

  • Willfully damaging the rental unit
  • Using the unit in a way which is inconsistent with residential use and caused, or is likely to cause, significant damage
  • Committing an illegal act in the unit involving the production or trafficking of illegal drugs
  • Seriously impairing someone’s safety
  • Substantially interfering with the landlord’s reasonable enjoyment – in cases where the landlord and tenant live in the same building and the building has three or fewer residential units

If a landlord believes that an eviction order should include a request to the Sheriff to expedite enforcement, but the application is not based on any of the grounds contained in section 84 of the RTA, the landlord may raise this issue during the hearing. The adjudicator may consider whether the tenant is responsible for an urgent problem such as a serious and ongoing health or safety issue at the residential complex or a serious illegal act that occurred at the residential complex. The tenant will have the opportunity to make submissions on this issue if they are at the hearing.

If the hearing for the landlord’s eviction application has already been completed but the order has not been issued, the landlord may contact the LTB to ask the adjudicator who held the hearing to consider adding to the order a request to the Sheriff to expedite enforcement of eviction. Landlords can submit a request to expedite enforcement of the eviction by fax, mail or email. The tenant will have an opportunity to make submissions on this issue.

Eviction orders that have already been issued can only be changed if the order contains a serious error or a clerical mistake. If a landlord believes that an order contains a serious error, the landlord may file a request to review the order. If the landlord believes that the order contains a clerical mistake, the landlord may file a request to amend the order. More information on this process is available on the Application and Hearing Process page of our website.

We remain committed to updating you about operational planning and we are appreciative of your patience and cooperation as we continue to adjust our operations in response to the ongoing pandemic.

If you have any questions, please contact us at LTB@ontario.ca.

Sincerely,

[Original signed by]              [Original signed by]

Karen Restoule                    Lynn Dicaire

Associate Chair                    Registrar

Game Changer! Background Checks For Only $9.95 With The Leading Back Check Provider in Canada TRITON!

Monday, April 5th, 2021

Join the Ontario Landlords Association for a One-Time Registration Fee. Get Credit Checks for Only $9.95/Check With The Largest Background Screening Company in Canada

Imagine you as a small landlord could partner for a super low fee with the biggest and best and most reputable background check company in Canada.

It used to be you could rely on a handshake or a good chat with your potential tenant and decide to rent to them. The harsh reality is those days are over.

It’s essential every small landlord runs a credit check to make sure they know who they are renting to.

It’s now also essential landlords understand the need to use the most professional company to run these checks.

Now you can.

OLA Members Can Now Partner With The Leading Background Check Company in Canada For a Super Low Price To Help You Succeed!

Recently there have been a lot of shady small start-up companies that are offering “services” for small landlords.

Many of these companies have upset good tenants because they demand 16 pages of personal information while are secretly adding them to illegal “bad tenant lists”, allowing defamatory comments on their sites and even not even requiring tenants to consent for their information being used and more.

There are already lawsuits starting and lots of media and reports. Let’s face it the best tenants are going to avoid landlords who use these shady services.

It’s a ticking time-bomb that you need to avoid!

If you were a great tenant would you put up with a landlord using shady services?

STAND OUT AS A LEGAL, PROFESSIONAL LANDLORD BY USING THE BEST CREDIT CHECKS FROM THE LEADING BACKGROUND CHECK PROVIDER IN CANADA 

TRITON has existed for over 50 years. The company runs criminal checks with the RCMP.

TRITON is also the background check company for Uber, the Ontario provincial government, McDonalds, Bell,  Restaurants Canada…

…and Ontario Landlords Association Members.

IT’S NOW ESSENTIAL FOR GOOD LANDLORDS TO USE ONLY THE BEST SERVICES TO RUN CREDIT CREDIT CHECKS

Do you want to be connected to shady start-up companies with lawsuits hanging over their heads or do you want to work with the industry leader?

Good landlords can now use the most reputable background screening in Canada to screen your tenants. You get all the information you need to make a decision including a score

‘Free benefit’ or blacklisted? Hamilton tenants and landlords clash over private information

Monday, March 29th, 2021

‘Free benefit’ or blacklisted? Hamilton tenants and landlords clash over private information

..

Seven tenants of a Hamilton apartment building say their personal information — including their names and rent payment histories — was taken by their landlord and submitted to a company without their consent.

The landlord, Live Well Property Management Ltd., entered the information into a database run by the Landlord Credit Bureau (LCB), a newly-licensed consumer reporting agency that boasts over 30,000 landlord and tenant users across North America.

The LCB tracks tenants’ payment habits and then transfers that data to Equifax, a multinational credit reporting agency which — through the information provided by the LCB — can either boost or lower a tenant’s credit score based on how promptly they pay their rent.

While some residents say their privacy has been breached, others worry about the consequences.

Dave Pace-Bonello and his partner Joey Nicole and their son Julian. They have lived at the building -- 94 East Ave. S. -- for 20 years.

The LCB database keeps a list of individual tenant records which — besides a name, email, address and rent history, among other pieces of data — contains reviews written by landlords detailing their experiences with a given tenant.

“If we paid our rent late because our paycheque didn’t land on the first of the month, what would that do to our credit?” asked Dave Pace-Bonello, who has lived in three-storey building at 94 East Ave. S. for the past two decades.

“If our landlord writes a bad review about us just because he doesn’t like us, and another landlord sees that, what does that do to our chances of finding another home?”

The residents at 94 East were informed they had been registered to the service through emails sent to them by the LCB within the past year.

The emails framed the bureau as a “free benefit” for tenants and an opportunity for them to get “an advantage over other applicants” on future lease applications.

Residents who are late with rent, leave without proper notice or cause damages “will likely find it more difficult to obtain tenancy and credit in the future as this information is shared with other landlords and credit bureaus,” the emails say.

Zachary Killam, president and CEO of the LCB, told The Spectator consent is not always required to collect a tenant’s data.

He said the company’s standing as a consumer reporting agency gives it the lawful right to gather information without consent insofar as a debt is owed or an agreement has been breached.

Ann Cavoukian, a former Ontario privacy commissioner, called the collection of information without consent an “appalling” practice.

While she sympathizes with landlords who want a resource to recoup late rent payments, she said such a resource can’t be created at the expense of tenants who are unaware their personal information is being shared.

“Everything has to be totally upfront with people understanding what they’re getting into,” said Cavoukian.

According to the LCB’s privacy policy, it can collect all sorts of data about tenants in addition to outstanding rent and landlord reviews, including IP addresses, passport and driver’s licence numbers, social insurance and security numbers, marital status and job history.

Killam said the LCB “does not currently collect all of those,” but did not specify what information is collected or how.

The Office of the Privacy Commissioner of Canada has launched an investigation into alleged privacy breaches committed by the LCB.

Spokesperson Vito Pilieci couldn’t comment on the status of the probe, but said federal legislation typically requires “meaningful consent” for the collection, use or disclosure of information.

Dave Pace-Bonello, his partner Joey Nicol and their son Julian in their apartment at 94 East Ave. S., where the family has lived for two decades. Pace-Bonello warned neighbours private information was taken by their landlord and submitted to a consumer reporting agency without their consent.

‘You have no reason to be worried’

Pace-Bonello and his longtime partner, Joey Nicol, asked Live Well management several times to remove their information off the LCB.

All but one request went unheeded.

In one email exchange dated March 24, 2020, Nicol asked her landlord, Matt Christie, why the couple’s information was taken without consent and to remove it from the LCB database.

“You have no reason to be worried,” replied Christie, who is listed as a director of Live Well in corporate records. “(You) always pay your rent on time and when you log in to LCB you will see that’s what has been recorded for you.”

A back-and-forth ensued.

“Consent is not required,” wrote Christie in a May 1 text to Pace-Bonello after Pace-Bonello again said he did not consent to the couple’s information being taken.

“I sent your request to the landlord. I’ll let you know the response once I have it,” he added.

“… and consent is 100 per cent not required.”

An excerpt of a text exchange between 94 East Ave. S. tenant Dave Pace-Bonello and his landlord, Matt Christie, who is a director of Live Well Property Management Ltd. Christie refuses to take Pace-Bonello's tenant information off the LCB database and says consent was not required to collect it.

By July 9, Christie agreed to remove the couple’s record from the LCB database, which included their names, move-in dates, email addresses, rent amount and address. He told them in an email that if rent ever went unpaid in the future, Live Well might reopen their record.

The ordeal left the couple deflated.

“It made me not trust our landlord anymore,” said Nicol of Christie. “I didn’t understand why he was so invested in the LCB but not in us, his tenants. He knew our concerns and he still didn’t address them, and he made me feel combative for sticking up for our family.”

Another tenant at 94 East, who asked not to be named for fear of retribution from Live Well, said she also struggled to remove her information off the LCB.

In one email with Marv Steier, a co-founder of the LCB who is no longer with the company, the tenant asked why she had to provide her SIN if the LCB reports to her credit agency.

“Your landlord is reporting your rent payments for your benefit,” wrote Steier in the email in late April 2020.

“I don’t want this ‘free benefit,’” the tenant replied. “My credit score has been over 800 for years, how would this benefit me?”

The tenant told The Spectator she didn’t consent to have her information collected and asked both the LCB and Live Well to have it removed. She said she never got a clear answer as to whether her record was deleted.

The Spectator posed several questions to Christie concerning the allegations that Live Well took tenants’ information without consent.

He responded with a statement about Pace-Bonello and Nicol.

“We’ve worked hard and considerably improved the standard of the building they live in and assisted them as needed, yet been subject to ongoing derogatory, rude and bullying behaviour from them towards our team,” Christie said via email.

Is the LCB impartial?

Ontario’s Consumer Reporting Act states if a credit agency collects negative or unfavourable information about an individual, there must be some form of effort on the part of the agency to corroborate that information.

The LCB said it does not accept anonymous information on its database and users’ identifications are verified prior to posts. They added landlord and tenant reviews are vetted by staff to ensure foul language and personal attacks are omitted.

“We do not allow false or vindictive reporting,” said Killam, the CEO, who noted consent from tenants is also required before a future landlord can look at their records.

However, it’s difficult to differentiate unfavourable information from fact if that information is subjective, argued Benjamin Reis, a housing lawyer with Downtown Legal Services at the University of Toronto.

“Information put into a consumer report must be based on the best available evidence,” said Reis. “Asking, ‘Tell me what you think about this tenant?’ is not what I think would be best evidence.

“What if we found out that the reason a landlord said, ‘Yes, I have a problem with this person,’ is because the landlord has a problem with people of colour? That’s quite possible.”

Killam said users are contractually bound to be non-discriminatory on the LCB platform. He also said tenants can access their own records and dispute them.

But a section of the LCB’s tenant record form — where landlords are asked six ‘yes or no’ questions about a person’s tenancy — puts that claim of impartial access under scrutiny.

A screenshot of a tenant's record form on the LCB database that is shared with landlord but not tenants.

“This information is NOT SHARED with the tenants but is shared with other landlords who search this tenant,” reads a disclaimer atop the questions, which range from whether the tenant paid rent late or were tried at court for breaching a lease agreement, to property damages or noise complaints.

Reis argued a company can’t claim to be impartial if it allows access to information to one set of users but not the other.

“This idea of a secret list where tenants don’t know if they’re on it, don’t know what was said about them or by who, that’s what most people think about when they think about a blacklist,” said Reis, adding “yes or no” questions also point to the LCB’s lack of due diligence.

“Instead of asking ‘yes or no’ whether the tenant was taken to court, why not include a copy of the decision so people get the facts?”

Douglas Kwan, director of advocacy and legal services of Advocacy Centre for Tenants Ontario, echoed similar remarks about the LCB allowing landlord reviews.

“If you’re solely interested in a tenant’s ability to pay the rent, which is what their website says, what is the purpose of these reviews?” asked Kwan. “A landlord can make lots of comments that really have no place or doesn’t speak to whether a tenant can pay their rent.”

Both Reis and Kwan took issue with what they consider to be a conflict of interest in the LCB’s leadership.

According to corporate records obtained by The Spectator, Killam is one two directors at Live Well Property Management Ltd., which owns several properties in Hamilton and the GTA.

Killam said he hasn’t been actively involved with Live Well since 2018.

“There has never been a conflict of interest,” he said. “LCB is impartial and judicious in its operations and services.”

Reis argued the connection raises questions about neutrality, particularly with respect to consumer reporting agencies.

“Credit agencies like Equifax and TransUnion are institutions people are supposed to trust. But what if they were owned by someone who is also a director at a credit card company?” Reis asked.

“If Bell or Rogers claimed I owed a bill that I didn’t actually owe, I would expect that Equifax not be owned by Bell or Rogers.”

The LCB sues critical tenants

Killam and the LCB sued Pace-Bonello and Nicol for defamation and copyright infringement on Jan. 14.

According to a statement of claim filed in the Supreme Court of British Columbia — a province where the LCB is listed under a different name than the corporation number registered in Ontario — the couple “sought to damage the business and reputation of the LCB and their directors” by creating a website that contains information about the agency.

The website is alleged to have accused the LCB of unlawful and unethical conduct, the claim states, and infringed the trademark and copyright of the LCB.

The agency is seeking a permanent injunction restraining the couple from ever writing or publishing information about the LCB that it believes to be defamatory.

Pace-Bonello, who plans to defend himself at the hearing, said he created the website in June after months of haggling with Live Well to remove his information from the LCB.

It was intended to be a resource for tenants at 94 East who received the same unprompted LCB registration email as the couple did.

“We thought about how many of our neighbours also received that email and had no clue what was going on,” he said.

Dave Pace-Bonello, his partner Joey Nicol and their son Julian. The family has lived at 94 East Ave. S. for 20 years.

The website contains detailed information about the LCB, its terms of service, and what rights tenants have related to consent. There is a disclaimer at the end of each post noting the website is not legal advice and for “community educational” purposes.

It received plenty of traction from neighbours, Pace-Bonello said.

One tenant at 94 East, who asked not to be named for fear of retribution from Live Well, said the site helped give context to that initial email from the LCB.

“If it weren’t for Dave and Joey, we wouldn’t know what (the LCB) was or why we should care or what our rights were,” said the tenant, who has lived in the building for three decades.

Pace-Bonello said he can understand why the LCB isn’t happy with the website — but he can’t understand why they are trying to silence him.

“They’re entitled to respond, absolutely. But to respond in a way that no further conversation can ever happen again, that doesn’t make any sense to me as a Canadian,” he said.

“When you see that someone wants to go to that length with you, rather than answer some of these questions and address these concerns in public, it’s shocking and it’s scary. It’s like the whole bottom falls out.”

For further reading click on Landlord Credit Bureau Facts.