Real TransUnion data, delivered the way the FCRA intends.

Where the data actually comes from

When your applicant completes their application and signs the FCRA Disclosure and Authorization, RentalApplication.ai requests their consumer credit file from TransUnion. We operate as a reseller under FCRA § 603(u): TransUnion furnishes the substantive data and carries the § 1681e(b) accuracy duties; we assemble, deliver, and handle the compliance workflow around it. We do not modify, augment, or re-score the bureau data. The full framework is documented in our FCRA reseller explainer.

ResidentScore vs. FICO — which score you get

• TransUnion ResidentScore (default). A 350–850 model built specifically for rental outcomes — trained to predict eviction and rent-payment risk rather than loan default. For a tenancy decision, it's the more purpose-built number.
• FICO-based score (+$5 per report). If you or your bank/insurer workflows expect a traditional score, every tier can swap to a FICO-based score for $5 more. (FICO reports require a one-time landlord certification step at checkout.)

Both arrive with the same underlying file: tradelines with 24-month payment history, collections (including landlord charge-offs), inquiries, and address-header history. How to read each section: tenant credit check guide.

Soft pull, always

Every TransUnion pull we make is a soft inquiry: the applicant's score is unaffected and the inquiry is invisible to other lenders. Applicants can be told this plainly during the application — it measurably improves completion rates. There is no tier or option on RentalApplication.ai that performs a hard pull.

What the applicant can do with the data

FCRA gives the applicant real rights over this file, and the reseller framework preserves them:

• They can obtain a copy of the report used in the decision.
• They can dispute inaccurate or incomplete information — we forward disputes to TransUnion (or the relevant originating agency) under FCRA § 1681i(f)(2), via disputes.rentalapplication.ai.
• If you decline based on the report, they receive an adverse-action notice naming the bureau, the score used, and their dispute rights — generated automatically on every decline. See the adverse-action guide.

What TransUnion data does not include

Credit files don't contain criminal records or housing-court filings — those are separate public-records searches with their own sourcing (our versions are coming soon; held out of the product until the integration ships). The credit file's collections section does, however, capture rent sent to collections by prior landlords — in practice the strongest single eviction predictor. Background context: background checks · eviction history checks.