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Stephen White here and were going to be talking about how to properly deny your tenant applicant. So if you have somebody that is clearly a thumbs down, were going to show you the legal way to let them know that youre not going to be renting to them. So a lot of questions that we get are how to actually deny them properly, how to deny them legally. If you ran a background check on them, so that means if the youre basing your decision on credit, criminal, evictions, even a previous landlord reference. Ill say that their previous landlord says they were terrible and cant pay their rent and somehow you dont want to rent to them. The proper way to do this is to use an adverse action letter. And if that sounds familiar to you its because its the same method that everybody in the credit industry uses. Most commonly youll see it being used in department stores like Macys or JC Penneys. Of course their sales associates arent equipped to counsel people on credit. So if som