Getting started

1. Create a free myblkworldhq.com account (or sign in).
2. Open BLK-AI: DocFraud Prevention from the BLK-AI menu or your dashboard and choose a tier and term (Pricing).
3. Sign the agreements in the checkout and pay with BLKPAY.
4. BBAIS verifies your organization's identity and housing-only use before your first scan, usually within one business day.
5. Invite your team from the Team tab: Managers see every applicant; Agents see their own unless you give them all-access.
6. Add your first applicant from the Applicants tab, then upload documents or send a secure link (Uploading documents).

Owners and Managers set up two-step verification with an authenticator app the first time they open the workspace.

Go to BLK-AI: DocFraud Prevention

Pricing

Four tiers: Base, Pro, Kingdom and Kingdom Oblivion. Each has a monthly scan allowance (Kingdom Oblivion has no fixed cap). Pay monthly, or choose a 6- or 12-month term for a discount. The current prices and allowances are in the chart below and on the BLK-AI: DocFraud Prevention page.

• What counts as a scan: one completed scan of one applicant's uploaded document set, producing one overview. A re-scan after new documents counts as a new scan, and the app says so before you confirm.
• Failed scans never count.
• How you pay right now: automatic monthly charges aren't switched on yet. You pay the first month with BLKPAY when you sign up. After that, the Pay Subscription button at the top of BLK-AI: DocFraud Prevention lists your next 12 months with their dates and prices; tick the months you want to pay (in order, up to 12 at a time) and pay them in one BLKPAY payment. Nothing is ever charged automatically. If a month isn't paid, you're told, and new scans pause after the grace period; nothing is deleted. If you cancel, access continues through the last month you paid for.
• Team members: each plan includes team members (Base 3, Pro 10, Kingdom 25, Kingdom Oblivion unlimited; the chart shows the current numbers). Every active member, the Owner included, and every pending invitation holds a seat. Extra team members cost the price in the chart each month; add them at signup or later from Teams. A seat added mid-period is prorated for the rest of the billing period and paid before the invitation can be sent.
• Changing plan or term: from Plan & Billing, choose a plan on a term (month-to-month, 6 months or 12 months); there is no term without a plan. 6- and 12-month terms sign a Contract Term Discount Agreement first. An upgrade takes effect now: the price difference is prorated for the rest of the period and your interactions start again at 0 of the new plan's allowance. A downgrade starts with your next billing period. During a 6- or 12-month term you can change plan within it; the same discount applies to the new plan until the term ends.
• Renewal: monthly plans renew monthly; term plans bill monthly at the discounted price through the term, then continue monthly at the regular price. You're notified before any renewal or price change the rules require.
• Cancel online any time from Plan & Billing, in no more steps than it took to sign up. Leaving a discounted term early has the early-termination fee shown before you subscribe.

Go to BLK-AI: DocFraud Prevention

How to sign up

1. Pick a tier and term below. The link opens checkout with it selected.
2. Enter your organization's legal name and type, read the order summary, and agree to the recurring charge.
3. Sign the Subscription Agreement (and, for a 6- or 12-month term, the Term Discount Agreement) by drawing or typing your signature.
4. Pay with BLKPAY. Your receipt goes to SaaS Receipts and the signed agreements to My Contracts.

• Base: monthly (Base) · 6 months (Base) · 12 months (Base)
• Pro: monthly (Pro) · 6 months (Pro) · 12 months (Pro)
• Kingdom: monthly (Kingdom) · 6 months (Kingdom) · 12 months (Kingdom)
• Kingdom Oblivion: monthly (Kingdom Oblivion) · 6 months (Kingdom Oblivion) · 12 months (Kingdom Oblivion)

Link to share: myblkworldhq.com/docfraud Copy link

Go to BLK-AI: DocFraud Prevention

How scans work

The checks. Every document goes through deterministic forensic checks: the file's history and metadata, whether page content was replaced after creation, text-layer and font consistency, the arithmetic on pay stubs and balances on statements, consistency across the applicant's documents (names, employer, deposits, dates), and SSN checks (an SSN that changes between documents, a range never issued, a mention of a credit privacy number, or an SSN seen under a different name earlier in your account). SSNs are shown only as their last four digits. Ordinary things, like a scanned or printed-to-PDF file, are noted as context, never as concerns on their own.

The estimate. The checks combine into an estimate band: Low, Moderate, Elevated or High. BLK-AI then reads the documents and the findings and writes an overview, reasons (each tied to evidence) and next steps. It may move the band by at most one level, and never down if a document tried to give it instructions.

Human review. Closer review is recommended for Elevated and High, or any high-severity finding. Every report still needs a person's sign-off, and the app only lets a reviewer record it after they've opened the findings and a document.

This is an estimate, not a decision. You make every housing decision. BLK-AI never tells you to approve or deny anyone and never considers protected characteristics or where income comes from.

Uploading documents

Two ways in:

1. You upload the documents the applicant gave you, after confirming they were told and agreed, and that they applied for housing with you.
2. Secure applicant link: send the applicant a private link (good for 7 days, one applicant, revocable). They read a notice about what happens, agree (or ask for a manual-only review with no BLK-AI), and upload directly.

Accepted files: PDF, PNG, JPG and HEIC. Every file is virus-checked before it can be opened or scanned. Co-applicants and guarantors can be added to the same file.

For Auto Dealers

BLK-AI: DocFraud Prevention works the same way for car dealerships as it does for real estate, in a dealer's words. Choose Auto Dealers when you subscribe (franchise dealer, independent dealer or buy-here-pay-here lot). Your workspace then says Customers instead of Applicants, everywhere: the chart, profiles, reports, notices and upload links.

What it checks. Everything it checks for real estate (pay stubs, bank statements, W-2s, 1099s, tax returns, IDs, offer letters, benefit letters), plus the documents in a deal file: credit applications, proof of residence (a utility bill or lease), proof of insurance, references, and trade-in or payoff documents. The same forensic checks look for content changed after a file was created, numbers that don't add up, text typed over other text, and documents that disagree with each other.

Fair lending, in code. The checks and BLK-AI never use or infer race, color, religion, national origin, sex, marital status or age, never treat income from a public assistance program as a concern, and never count it against a customer that they used their consumer credit rights. Cash, gig or multiple-job income, and scanned or printed-to-PDF documents, are never concerns on their own.

Your notices. Customers see a dealer version of the notice before they upload. If you take adverse action based on a result, the adverse-action helper prepares the Fair Credit Reporting Act notice and reminds you that the Equal Credit Opportunity Act notice is your own duty as the creditor: within 30 days of a completed application, with the specific reasons or the right to ask for them.

How CPN detection works. A credit privacy number (CPN) is not issued or recognized by the government, and many are stolen SSNs. BLK-AI: DocFraud Prevention never makes a CPN finding about a customer. It points out what it found, so you can check: an SSN that is different on the credit application and the W-2, pay stub or tax return; an SSN in a range the Social Security Administration has never issued; a document or a note on the file that mentions a "CPN", "credit privacy number", "SCN" or "credit profile number"; and an SSN that was submitted under a different name earlier in your own account (never anyone else's). Suggested next steps: ask for the Social Security card or another document from the Social Security Administration, compare the SSN with tax documents, or verify it through your own credit bureau or identity verification service.

Proof of residence. For a utility bill or lease, it checks that the name, address and dates agree with the license and the credit application, and that the bill's charges add up to its total.

Safeguards and Red Flags support. BBAIS acts as your service provider under the FTC Safeguards Rule: customer documents and sensitive fields are encrypted in transit and at rest, and BBAIS tells you about any security event involving your customers' information without unreasonable delay. From the Compliance tab you can download a Red Flags Rule mapping (accessible PDF and CSV) that shows which red flag each signal helps you detect, to cite in your Identity Theft Prevention Program. Your Subscription Agreement includes Section 22, the Auto Dealer terms.

Pricing. Auto Dealers use the same tiers, scan allowances, discounts and early-termination fees as real estate unless the chart shows otherwise. Choose "Auto Dealers" above the pricing chart to see your prices.

• Base: monthly (Base) · 6 months (Base) · 12 months (Base)
• Pro: monthly (Pro) · 6 months (Pro) · 12 months (Pro)
• Kingdom: monthly (Kingdom) · 6 months (Kingdom) · 12 months (Kingdom)
• Kingdom Oblivion: monthly (Kingdom Oblivion) · 6 months (Kingdom Oblivion) · 12 months (Kingdom Oblivion)

SSN verification: coming soon.

For applicants

What it does: a housing provider or car dealer used BLK-AI: DocFraud Prevention to check the documents you gave them for signs of alteration. A person there reviewed the result.

What it never does: it doesn't make or recommend housing decisions, doesn't look at your race, religion, national origin, disability, family status or other protected characteristics, and doesn't treat vouchers, benefits or other lawful income as a reason for concern.

Get your file: create a free myblkworldhq.com account, open BLK-AI: DocFraud Prevention (BLK-AI menu or your dashboard), and choose Request My Documents. Enter your last name and date of birth and upload a photo ID. For your privacy, the form never shows whether a file exists; a person at BBAIS checks your request and tells you the result here and by email. If approved, My Documents shows every document and the full file, with downloads, and includes a summary of your rights under the Fair Credit Reporting Act.

Dispute: from My Documents, dispute anything you think is wrong, with supporting documents. BBAIS reinvestigates free of charge, generally within 30 days, and sends you the results in writing.

Reports

When: a report opens when the first document arrives. After a scan, a draft appears on screen ("Draft — not yet reviewed"), and it can't be downloaded. When someone completes the human review, Version 1 is created and the chart shows "Report ready".

What's in it: a cover, a summary, the documents reviewed, each reason with its evidence image, context notes, next steps and their status, the human review record, housing provider notes, any disputes, what BLK-AI checked, the applicant's rights, and provenance. Every page carries "This is an estimate, not a decision."

Notes and versions: notes you add are labeled as yours, not BLK-AI's, and become part of the report. Every change (a note, a re-scan, a review update, a correction after a dispute, a format update) creates a new version; old versions never change. Compare any two versions side by side and download any of them as an accessible PDF from the Reports section or the applicant's Report tab.

Security & privacy

• Encryption: each file has its own key, wrapped by your organization's key, wrapped by a master key that lives only in BBAIS's server environment. Files sit in a private bucket and are only ever streamed to signed-in, authorized people. Every opening is logged.
• Who sees what: Owners and Managers see all of the organization's applicants; Agents see their own unless given all-access. BBAIS staff can open a file only with a typed reason that is logged, and only after two-step verification.
• Sign-in protection: two-step verification for Owners and Managers (optional for Agents), a timeout after 30 minutes without activity, and a list of your sessions with sign-out-everywhere.
• Retention: documents are deleted on a schedule by destroying their keys. Scan, review and audit records are kept at least 3 years. You can delete an applicant's documents early.

Accessibility statement

Standard we build to: WCAG 2.2 Level AA for every screen, and PDF/UA-1 (ISO 14289-1) for every report and file-disclosure PDF.

Last audit: October 11, 2026. Every screen and state was tested with axe-core 4.14.0 and with scripted keyboard, focus, 320-pixel reflow and text-spacing checks.

How documents are checked: each PDF is generated as a tagged PDF and must pass veraPDF's PDF/UA-1 validation and a heading-structure check before it can be downloaded. A PDF that doesn't pass is held back, not released.

Known limitations:

• Screen reader testing by a person (NVDA, VoiceOver, TalkBack) is scheduled and not yet complete; if something reads poorly, tell us.
• Documents that applicants and housing providers upload are shown as they were provided, so they may not be accessible. Ask us for help reading one.
• Wide tables scroll sideways inside their own area on small screens.

Need an accessible alternative, or found a barrier? Email Myblkworldhqsupport@atomicmail.io or Yamia.Oshun.Ceo@myblkworldhq.com. We aim to answer within 2 business days and to provide the information another way while we fix the problem.