Frequently Asked Questions

RentalApplication.ai is a premium pay-per-report tenant-screening service for landlords and property managers. Reports start at $24.99 and include FCRA-compliant credit, criminal, eviction, and income data, with an optional AI landlord-reference-call product. We are operated by Lotly Software LLC and are a reseller of consumer reports under FCRA section 1681a(u).

Reports start at $24.99 for credit. Premium bundles combining credit, criminal, housing-court, and income verification are available up to $54.99. The optional AI landlord reference call is $12. No subscription, no monthly minimum.

Credit report and VantageScore from TransUnion; nationwide criminal records and housing-court / eviction records from Asurint; optional income verification via Pinwheel (bank-link + payroll); optional AI landlord reference call; identity and fraud signals from TLO / TRADS.

Credit is typically returned within minutes. Criminal and housing-court records typically return within a few hours but can take up to 1-2 business days in slower jurisdictions.

Yes. We are a reseller of consumer reports under FCRA section 1681a(u). We require landlords to certify a permissible purpose before any report is delivered, we honor reseller dispute obligations under FCRA section 1681i(f), and we automatically apply state-law overlays so sealed, dismissed, and time-barred eviction records are filtered before the landlord sees them.

Default is applicant-pay at the moment of application submission. Landlord-pay is also available if you prefer to absorb the cost.

If you decline an applicant in whole or in part based on the report, the FCRA section 1681m adverse-action notice is required. RentalApplication.ai generates this notice for you automatically with the CRA contact information and the federal summary of consumer rights.

Yes. Disputes go to disputes@rentalapplication.ai or the dedicated dispute portal at disputes.rentalapplication.ai. Per FCRA section 1681i(f), we forward the dispute to the originating consumer reporting agency within five business days.

Yes, automatically. Sealed, dismissed, and time-barred eviction records are filtered out before the landlord sees them based on the property state. We honor California AB 2747, Colorado HB22-1098, New Jersey Fair Chance in Housing Act 2022, Illinois 735 ILCS 5/9-121, Washington RCW 59.18.367, Oregon ORS 105.163, Minnesota Statute section 484.014, and analogous laws in other states.

After an adverse action, you have a right under FCRA section 1681m to a free copy of the consumer report from the consumer reporting agency named in the adverse-action notice, requested within 60 days. RentalApplication.ai is a reseller; the underlying credit report comes from TransUnion, the housing/criminal report from Asurint. Contact information is on the adverse-action notice you received.

All databases are encrypted at rest with AWS KMS. S3 storage uses SSE-AES-256. TLS 1.2+ in transit. Bcrypt password hashes. AES-256-CBC for sensitive column-level encryption. We honor every U.S. state privacy law currently in force (CCPA/CPRA plus state analogues), with a 45-day response window.

Start at rentalapplication.ai/apply, enter the applicant's name and email, choose which reports you want, and the applicant gets an email with a secure link to authorize the screening and pay. Most reports complete within hours.