RGU Tenant Blacklist
Policy, Criteria, and Submission Process
⚖️ Legal Compliance Notice
The RGU Tenant Blacklist operates in strict compliance with the Fair Credit Reporting Act (FCRA), Fair Housing Act, and all applicable state and federal laws. Entries are never based on protected characteristics or unsubstantiated complaints. All submissions are subject to audit and verification.
The RGU Tenant Blacklist is a secure, internal database of tenants who have a documented history of serious lease violations. It exists to:
Protect Landlords
Protect landlords and property managers from known high-risk tenants
Encourage Responsibility
Encourage responsible tenant behavior through accountability
Ensure Compliance
Maintain strict compliance with FCRA, Fair Housing, and all applicable laws
The blacklist is not a casual "bad tenant list." Every entry is evidence-based, reviewed, and audited. It is available only within the RGU ecosystem and is primarily surfaced through Morpheus AI Screening and related risk tools.
What the Blacklist is NOT:
- ❌ A public "shame list"
- ❌ Based on rumors, one-sided complaints, or hearsay
- ❌ For minor issues (single late payment, normal wear and tear, personality conflicts)
- ❌ Automatically populated when landlords complain
- ❌ Used for discriminatory or retaliatory purposes
A tenant is never added for minor issues like a single late payment, normal wear and tear, or personality conflicts. A tenant may be considered when all of the following are true:
✓ Serious, Documented Violations
One or more of the following must be clearly documented:
Serious Non-Payment
60-90+ days past due with proper notices served and no good-faith payment effort
• Chronic rent evasion
• Ignored pay-or-quit notices
• No payment plan engagement
Severe Property Damage
Intentional or major damage beyond normal wear and tear
• Destroyed appliances
• Holes in walls/doors
• Flooded units
• Major cleanup costs
Proven Fraud
Material misrepresentation or false documentation
• Fake pay stubs
• False identity/SSN
• Fabricated employment
• Forged references
✓ Formal Process or Clear Liability
Typically, at least one of the following is present:
Eviction Filed/Completed
Court Judgment Entered
Settlement Agreement Signed
✓ Evidence Meets RGU Standards
- Claims backed by verifiable documentation (lease, ledgers, notices, court filings, inspection reports, photos, invoices, communication logs)
- Case passes dual internal review by RGU's risk and compliance team
✓ No Discrimination or Retaliation
- Decisions never based on race, color, religion, sex, gender identity, sexual orientation, national origin, disability, familial status, age, or any other protected class
- Tenants not blacklisted for filing complaints, reporting issues, or exercising legal rights
To consider a tenant for the RGU Tenant Blacklist, RGU typically requires:
Lease & Identity
Payment History
Legal Process
Property Damage
Fraud Evidence
Secure Storage: All documents are stored securely within the RGU platform and are subject to audit. Evidence is reviewed for authenticity and relevance before any blacklist decision is made.
Landlords and property managers can submit serious cases to RGU for review. RGU does not blacklist tenants automatically based on a complaint alone.
Open a Case
Submit through RGU platform or email support@rentguardus.com
Provide Evidence
Upload all required documentation and certify accuracy
Initial Screening
RGU checks completeness and seriousness of case
Full Review
Risk & compliance team evaluates all evidence
Decision
Approved and added, or rejected with explanation
Information Landlords Must Provide:
Tenant Details:
- • Full name
- • Date of birth (if available)
- • Last known rental address/unit
- • Lease start and end dates
Payment History:
- • Rent amount and due dates
- • Ledger showing missed/partial payments
- • Copies of pay-or-quit notices
- • Demand letters or payment plan offers
Legal Actions:
- • Filed eviction case number
- • Copies of court filings and judgment
- • Any settlement agreements signed
Property Damage (if applicable):
- • Move-out inspection report
- • Time-stamped photos/videos
- • Repair invoices or estimates
📝 Landlord Certification Required:
All information is true and accurate to the best of their knowledge • They understand RGU will not blacklist tenants for discriminatory or retaliatory reasons • They agree that submissions may be audited and cross-checked
Once a case is submitted:
① Initial Screening
Support/Risk team checks:
- Is the case about serious, blacklist-level behavior?
- Is minimum documentation present?
- If information is missing, RGU requests additional details before proceeding
② Full Risk & Compliance Review
- RGU's risk and compliance team reviews all documents
- The team applies the blacklist criteria
- Checks for any signs of discrimination or retaliation
- A dual review process is used to reduce bias and errors
③ Decision
Approved:
- • Tenant added to RGU Tenant Blacklist
- • Reason codes recorded (e.g., "Long-term non-payment," "Intentional damage," "Fraud")
- • Supporting evidence references and audit trail maintained
Not Approved:
- • Landlord informed case doesn't meet criteria
- • More evidence required, or
- • Issue is considered minor or disputed
Integration With Morpheus AI Screening
When a blacklisted tenant appears in a screening or application flow, Morpheus AI can flag them as high risk, with appropriate messaging and controls based on RGU policy.
RGU is committed to fairness, accuracy, and legal compliance. The RGU Tenant Blacklist is audited regularly to ensure:
Protected by Law
- Evidence is sufficient and properly documented
- Criteria are applied consistently
- No prohibited or discriminatory factors are used
Regular Audits
- Quarterly audits for accuracy and compliance
- Entries expire after 7 years per FCRA guidelines
- Removal eligibility when debt paid or rehabilitation shown
Tenant Disputes
Tenants may dispute blacklist entries they believe are inaccurate, incomplete, or outdated. Upon dispute, RGU will re-review the case and may request updated documentation from the landlord.
Dispute Process: Tenants can submit disputes through the RGU platform or contact support. All disputes are reviewed within 30 days with full documentation review and follow-up with the submitting landlord.
If an error is found, or if the situation has been fully resolved and meets RGU's removal standards, the record will be updated or removed in line with FCRA and internal policy.
To avoid confusion:
Not a public "shame list"
The blacklist is internal to RGU and only accessible within the platform's risk tools
Not for minor issues
Single late payments, normal wear and tear, or personal disagreements don't qualify
Not a tool for retaliation
Cannot be used against tenants who complain, request repairs, or exercise legal rights
The blacklist is a targeted, compliance-driven risk tool designed to protect landlords from truly high-risk tenants while maintaining fairness and legal integrity.