Before You Start
If you are disputing your application decision, please do not submit another application unless directed by the 100 Team. Follow the steps below – submitting another application without following the steps below will likely lead to the same result and prolong your dispute review.
We can only re-review your application once complete and valid documentation is submitted
All documents must be clear, legible, and accurate
If documentation does not meet requirements, your original decision will remain
Dispute reviews can take up to 72 hours. In certain situations, criminal/eviction disputes can take longer and depend on the reporting agency's timeline for investigation.
1. Disputing Your Credit Score
If you believe your credit score was reported incorrectly:
What to Submit
A full credit report (PDF)
Dated within the last 30 days
Must include your name and identifying information
The name must match your application
How to Submit
What Happens Next
We’ll review your report
If your score meets the property’s requirements, we’ll reassess your application
2. Providing Proof of Debt Payment
If your application was impacted by outstanding debt:
What to Submit
Proof the debt has been paid or settled via a receipt from the creditor that the balance was satisfied
Documentation must include:
Creditor name (must match your credit report)
Payment amount
Confirmation that the balance is $0
Important
Payments must be fully processed (no pending payments)
If settled, documentation must confirm the account is fully resolved
How to Submit
What Happens Next
We’ll verify the payment and reassess your application if requirements are met
3. Disputing Eviction or Criminal Records
If you believe a criminal or eviction record on your background check is inaccurate or does not belong to you, you have the right to dispute it. First, check your report to confirm the agency (CIC or TransUnion), and follow the steps required for that agency:
CIC
100 will submit a formal reinvestigation request on your behalf to CIC, our background screening provider. CIC will conduct an independent review and issue a final determination.
Step 1: Gather Your Supporting Documents
Collect any documentation you have that supports your dispute. Accepted documents include:
Court documents showing dismissal, satisfaction, correction, or release
Proof of payment or settlement of a judgment or eviction
Any official documentation showing the record is inaccurate or resolved
Government-issued ID (if the record may belong to someone else with a similar name)
A brief written explanation of your dispute
Step 2: Write a Brief Overview of Your Situation
Along with your documents, upload a document with a short written statement explaining:
What the record is and why you believe it is incorrect or does not apply to you
Any relevant dates, case numbers, or court information you are aware of
The current status of the matter, if known (e.g., dismissed, paid, resolved)
Step 3: Upload Your Documents
Upload all supporting documents and your written overview using the secure link below. No Dropbox account is required.
Once we receive your documents, our team will submit the dispute to CIC for review. CIC will follow up once a determination has been made.
If you have questions, please contact CIC Directly at (631) 862-9300 or www.cicreports.com
TransUnion
Step 1: Contact the Reporting Agency
Depending on your report provider:
TransUnion
Phone: 1-888-387-1750
Email: [email protected]
Step 2: Complete the Dispute
Work with the agency to correct or remove the record
Step 3: Submit a Letter of Resolution
Once resolved, provide:
An official Letter of Resolution (not a dispute letter)
Must include case numbers
Case numbers must match your report
4. Identity Documentation/Unable to Corroborate SSN
If you have a Social Security Number: If you received a decision that indicated we were unable to corroborate your SSN, and you have a social security number, please submit a selfie of you holding your social security card.
If you do not have a Social Security Number: Upload a selfie of you holding your passport or ID card.
5. Submitting a Guarantor Bond
Certain properties accept guarantor bonds. Please first check with the property to see if they accept bonds for approval. If you would like us to re-evaluate your application decision with a bond document, upload it here.
Please note: Do not upload a bond document here unless you have received a decision from us. If you are in the process of applying, you can submit your bond document in your application if the property accepts bonds.
What happens after you submit your documentation for a dispute?
Once you submit your documentation, our team will review it within 72 hours. If your documentation supports a change to your decision, you will receive an email with your updated decision. If we need anything additional from you, we will reach out directly.