TransUnion SmartMove: Cost, Coverage, and How It Compares to Full Tenant Screening
TransUnion SmartMove sells three per-applicant screening tiers. Here is exactly what each one returns, what it costs, how far back it looks, whether it is legitimate, where its coverage stops, and how it stacks up against full-service tenant screening in 2026.
TransUnion SmartMove is a per-applicant tenant screening product built for independent landlords who want credit, criminal, and eviction data without a monthly subscription. It is fast, it carries the TransUnion name, and for a lot of small landlords it is genuinely good enough. But a screening tool should be chosen on what it actually returns, not on brand recognition – and once you compare SmartMove line by line against a full-service report or a named alternative, real differences appear in eviction coverage, income verification, and how many credit bureaus are pulled.
This comparison is deliberately even-handed. We walk through what a SmartMove report shows, what each pricing tier includes and who pays, the documented coverage gaps, how SmartMove sits next to alternatives like RentPrep and RentSpree, and the Fair Credit Reporting Act duties that stay with you no matter which service you pick. If you are new to the process, our step-by-step guide to how to screen tenants pairs naturally with everything below.
Video: a plain-language walkthrough of SmartMove versus full-service tenant screening – what each report includes, what SmartMove misses, and how to choose.
Key Takeaways: SmartMove vs Tenant Screening
- SmartMove is TransUnion’s per-applicant screen – credit, criminal, eviction, and Income Insights, with no subscription and same-day turnaround for occasional landlords.
- Its biggest documented gap is criminal-data coverage – SmartMove returns criminal records in only 30 states, so 20 states and the District of Columbia, including California and New York, get no criminal data at all. Its eviction search is database-based rather than direct court-record, and has its own published gaps.
- Income Insights is an estimate, not verification, and the standard application does not collect rental history or landlord references – so you often add a step.
- Whatever tool you use, the FCRA duties stay with you – permissible purpose under 15 U.S.C. section 1681b and the adverse action notice under section 1681m are the landlord’s job, not the vendor’s, and written authorization is what proves the first of them.
What Is TransUnion SmartMove?
SmartMove is an online tenant screening service operated by TransUnion, one of the three nationwide consumer credit bureaus. It is aimed squarely at independent landlords and small property managers who screen a handful of applicants a year and do not want the overhead of a full commercial screening account. The landlord sends the applicant an invitation, the applicant enters their own information, and TransUnion returns a report – typically within minutes to the same day.
Because the data comes straight from a nationwide bureau, the credit information is current and drawn from the same file the major lenders see. That direct-from-the-source credit data, plus the recognizable TransUnion name, is the core of SmartMove’s appeal. What SmartMove is not is a full-workflow platform: it does not collect rental references, it does not verify income from documents, and it pulls a single bureau. Understanding that boundary is the whole point of this comparison.
An honest framing. This is a comparison, not a takedown. For a first-time landlord with one unit in a well-reported county, SmartMove is a perfectly reasonable choice. The goal here is to show you exactly what each option returns so you can match the tool to your actual risk – and to make sure the FCRA duties do not fall through the cracks whichever way you go.
Is TransUnion SmartMove Legit and Safe?
Yes. SmartMove is a genuine product of TransUnion, operated by TransUnion Rental Screening Solutions, Inc., which the Consumer Financial Protection Bureau lists in its published list of consumer reporting companies. That listing is the short answer to the most-asked question about this service: it is not a lookalike site, and it is not a scam. It is a nationwide bureau’s rental-screening arm, regulated under the Fair Credit Reporting Act like any other consumer reporting agency.
Three specifics behind that answer, because “is it legit” usually means several different worries at once:
- The corporate entity is real and identifiable. Reports come from TransUnion Rental Screening Solutions, Inc., which maintains a Consumer Dispute Team at P.O. Box 800, Woodlyn, PA 19094, and a consumer line at 800-230-9376 (Option 4). A screening outfit you cannot write to is a warning sign; this one publishes an address in a federal regulator’s directory.
- The applicant’s data goes to TransUnion, not to the landlord. The applicant enters their own Social Security number directly into TransUnion’s system. The landlord never receives it. For an applicant, that is a meaningfully safer flow than emailing a completed paper application to a stranger.
- It is a soft inquiry. Being screened through SmartMove does not lower the applicant’s credit score, and it is not visible to other lenders as a credit-seeking event.
Which name is the real one? They are all the same service. SmartMove is the product name, mysmartmove.com is where you use it, TransUnion Rental Screening Solutions, Inc. is the legal entity that issues the report and handles disputes, and TU SmartMove is shorthand. RentSpree is a different company entirely – it is a separate rental platform that has its own screening, so “RentSpree” and “SmartMove” are not two names for one thing.
How Does SmartMove Work, Step by Step?
SmartMove is landlord-initiated but applicant-completed: you open the request, the applicant supplies their own data. That split shapes both its privacy advantage and its main friction point. The flow is short:
- The landlord creates a free account and enters the rental details. There is no subscription and no per-seat license.
- The landlord sends a screening request to the applicant by email. Nothing is pulled at this point – the report only generates once the applicant completes their half.
- The applicant completes the application and identity check – entering their own Social Security number directly into TransUnion’s system and, where the landlord chose applicant-pays, paying the fee.
- The landlord reviews the returned report – credit, ResidentScore, criminal search, eviction search, and any Income Insights – usually within minutes of the applicant finishing.
The upside of this design is that the applicant’s Social Security number never passes through the landlord’s hands, which reduces data-handling risk and reassures privacy-conscious applicants. The downside is control: the report cannot generate until the applicant completes their step, so a slow or hesitant applicant stalls the screen. Landlords who want to drive the process directly sometimes prefer a service that lets them pull the report without waiting on the applicant.
What Does a SmartMove Report Show?
A SmartMove report bundles several standard screening data points. Exactly which appear depends on the tier the landlord selects, but the full set includes:
- TransUnion credit report and ResidentScore – a rental-tuned score reported on a 350 to 850 scale that TransUnion says predicts eviction risk better than a generic credit score.
- National criminal search – a multi-jurisdiction criminal-records search, including a sex-offender registry check, subject to the coverage gaps noted below.
- Eviction search – housing-court and eviction records drawn from TransUnion’s eviction database.
- Income Insights – an estimate that flags whether an applicant’s stated income looks consistent with their credit behavior, offered on the higher tiers.
- Identity verification – Social Security number matching to confirm the applicant is who they claim to be.
What is not in the box matters as much as what is. SmartMove’s credit report treats evictions and bankruptcies as its rental-history signal, but the standard application does not gather prior-landlord references or a documented rental timeline, and it does not verify income from pay stubs or bank statements. If those matter to your decision, plan to run them separately – our guide to how to verify tenant income covers the document side, and our tenant credit guide explains how to read the score responsibly.
How Far Back Does a SmartMove Report Look?
Most negative items may be reported for seven years, and bankruptcies for ten, under the Fair Credit Reporting Act at 15 U.S.C. section 1681c. That federal ceiling applies to SmartMove because a SmartMove report is a consumer report. The practical lookback by data type:
- Credit delinquencies, collections, and charge-offs – seven years from the original delinquency.
- Bankruptcies – ten years from the date of entry of the order for relief.
- Civil judgments – seven years, or until the governing statute of limitations has run, whichever period is longer, under 15 U.S.C. section 1681c(a)(2). In practice the three nationwide credit bureaus have largely stopped carrying judgments under their own data standards. TransUnion Rental Screening Solutions is a specialty screening agency rather than one of those bureaus, so do not assume a SmartMove report follows the same practice. Paid tax liens run seven years.
- Evictions – the eviction-related report is drawn from a records database, and the seven-year rule applies to the filing.
- Criminal records – this is the one people get wrong. Records of arrest fall under the same section 1681c(a)(2) rule as civil judgments – seven years, or the governing statute of limitations, whichever is longer. There is no federal time limit at all on reporting a conviction. California (Civ. Code section 1786.18(a)(7)) and New York (GBL section 380-j(f)(1)(v)) cap conviction reporting at seven years by their own statutes, so how far back a criminal record may lawfully be reported – and used – depends on where your applicant is.
The distinction between what may be reported and what may be used matters more than the dates. A growing number of states and cities restrict how far back a landlord may look at criminal history at all, and require an individualized assessment rather than a blanket rule. Our tenant screening laws by state guide tracks those limits.
How to Read Your SmartMove Report
The report arrives as several sections, and the common mistake is to read only the score. Work through it in this order:
- Start with the identity check, not the score. If the Social Security number match or address history looks wrong, everything downstream may belong to a different person. Mixed files – data belonging to a different person with a similar name – are among the most damaging errors in tenant screening, and they are invisible if you read only the score.
- Read ResidentScore in its own range. It is reported on a 350 to 850 scale and is a rental-specific model, not a FICO score. A 620 ResidentScore and a 620 FICO are not the same statement. If your written criteria name a cutoff, name which score the cutoff refers to.
- Read the credit report behind the score. A thin file and a damaged file produce similar scores for opposite reasons. Look at whether the derogatory items are rent-adjacent – prior landlord collections, utility collections – or unrelated medical debt.
- Check the eviction section for jurisdiction, not just for hits. A clean eviction report from a county that reports poorly is weak evidence of anything.
- Treat Income Insights as a flag, not a figure. It estimates whether stated income is consistent with credit behavior. It is not verification, and for a self-employed applicant it can be well off.
- Apply the same criteria to every applicant, and write down the reason. The moment the report changes your decision, the Fair Credit Reporting Act’s adverse-action duty attaches.
How Much Does SmartMove Cost and Who Pays?
SmartMove sells three per-applicant packages with no monthly subscription – you pay only when you screen. As published on mysmartmove.com in August 2026, the tiers run from twenty-five dollars for SmartCheck Basic to forty dollars for SmartCheck Plus and forty-nine dollars for SmartCheck Premium, per screening, plus tax where applicable. TransUnion has adjusted these numbers over time and resellers price differently, so treat any figure as a snapshot and confirm the current price on mysmartmove.com before you quote it to an applicant.
What separates the tiers is how much of the report you get, not how good the data is – the credit file is the same TransUnion file at every level:
| Tier | Price per screening | What is included |
|---|---|---|
| SmartCheck Basic | twenty-five dollars | ResidentScore and the national criminal background report. No credit report and no eviction report – which is why this tier is rarely the right choice for a tenancy decision. |
| SmartCheck Plus | forty dollars | Everything in Basic, plus the full TransUnion credit report and the eviction-related report. This is the first tier that answers the two questions most landlords actually have. |
| SmartCheck Premium | forty-nine dollars | Everything in Plus, plus the Income Insights report and the identity check report. |
The fifteen-dollar step from Basic to Plus is the one worth paying. A screening report with no eviction search and no credit report is thin ground for a decision, and a prior eviction is one of the strongest predictors of a future one.
Two cost details are worth pinning down. First, SmartMove runs a soft credit inquiry, so screening does not lower the applicant’s credit score. Second, the landlord chooses who pays – you can absorb the fee or pass it to the applicant where state law allows an applicant-paid screening fee. Several states cap what you may charge an applicant for screening and require a receipt or refund of any unused portion, so check your jurisdiction; our tenant screening laws by state guide tracks those limits.
Fast fact. Because SmartMove is applicant-completed and uses a soft pull, the screen has no effect on the applicant’s score and the fee can sit with the applicant – two reasons it reduces friction for occasional landlords. The trade-off is that you wait on the applicant to complete their step before any report exists.
Where Does SmartMove Fall Short?
Every screening tool has boundaries; SmartMove’s are specific and worth knowing before you rely on it as your only source.
Criminal Records Are Returnable in Only 30 States
This is the most concrete limitation, and it is wider than the eight-jurisdiction figure that circulates in most reviews. SmartMove’s own coverage disclaimer (Rev. Date 1/14/2026) lists the states where criminal records are available to return, and there are exactly thirty: Alaska, Arizona, Arkansas, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Louisiana, Maryland, Minnesota, Missouri, Nebraska, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Utah, Washington and Wisconsin.
Everywhere else, the criminal search returns nothing. That is 20 states plus the District of Columbia: Alabama, California, Delaware, Hawaii, Idaho, Kentucky, Maine, Massachusetts, Michigan, Mississippi, Montana, Nevada, New Hampshire, New York, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wyoming, and DC. Two of those matter far more than the rest by sheer volume: California and New York. If you rent in either state and you have been treating a clean SmartMove criminal section as a clean criminal record, it is not one – as of that disclaimer’s January 14, 2026 revision date there is no data to return.
Phased screening is not the same thing as no coverage
A separate SmartMove rule is widely misreported as a data blackout, including by pages that list New Jersey and Cook County, Illinois among the no-criminal-data jurisdictions. In Ann Arbor, Michigan; Berkeley, California; Cook County, Illinois; Detroit, Michigan; Montgomery County, Maryland; New Jersey statewide; New York City; Oakland, California; and Washington, D.C., SmartMove requires phased screening: you order the non-criminal bundle first, certify that the applicant met your preliminary criteria, and only then order the criminal-only bundle. That is a sequencing requirement about ORDER, not a statement about coverage. Three of those nine sit in states that ARE on the thirty-state list – Cook County (Illinois), Montgomery County (Maryland) and New Jersey statewide – so criminal data is returnable there and phased screening only changes the ORDER in which you request it. The other six – Ann Arbor and Detroit (Michigan), Berkeley and Oakland (California), New York City and Washington, D.C. – sit in places that are not on that list, so there are no criminal records for the criminal-only bundle to return there. The phased-screening rule tells you the ORDER in which you must request the bundles; it does not create coverage that the disclaimer says is absent.
Where there genuinely is no data, supplement with a search that reaches those courts – while respecting the local fair-chance and individualized-assessment rules that govern how criminal history may be used at all.
Database Eviction Search, Not Direct Court Records
SmartMove’s eviction search pulls from a commercial eviction database, and its coverage is published rather than merely variable. Per the same disclaimer (Rev. Date 8/12/2026), eviction records are not available at all in Kentucky, Louisiana, Maine, South Dakota and Wyoming, and are limited in California, Connecticut, Georgia, Hawaii, Idaho, Illinois, Michigan, Mississippi, Missouri, Montana, Nevada, New Mexico, Ohio, Pennsylvania, Tennessee, Texas, Washington, West Virginia and Wisconsin. Because a prior eviction is one of the strongest predictors of a future one, a service that queries court records directly, in addition to database sources, tends to give more complete coverage – especially for an applicant who has moved across states.
A Single Bureau, and an Estimate Instead of Verification
SmartMove pulls TransUnion only. A derogatory item that appears on Equifax or Experian but not TransUnion would be missed, so a multi-bureau option paints a fuller credit picture. Separately, Income Insights is an estimate, not verification – for a self-employed applicant or anyone with complex income it can be well off, and confirming real income still means reviewing pay stubs, bank statements, or tax returns. Our rental-application red flags guide shows how to catch the gaps an estimate can leave behind.
Do not let a coverage gap become a compliance gap
If you deny an applicant because a supplemental search turned up a record SmartMove missed – or because of anything in the SmartMove report itself – you still owe that applicant an adverse action notice. Skipping the notice because the negative information came from a second source is a Fair Credit Reporting Act violation waiting to happen. Every consumer report you rely on, from any provider, carries the same notice duty.
SmartMove vs Named Alternatives
A comparison query deserves real names, not just “the other guys.” SmartMove competes with a cluster of well-known services, each with a different center of gravity. The table below is a plain-language map, not an endorsement – features and pricing change, so verify current details with each provider.
| Service | Best known for | Where it differs from SmartMove |
|---|---|---|
| TransUnion SmartMove | Direct TransUnion credit data, ResidentScore, self-service | Baseline for this comparison – single bureau, applicant-completed, database eviction search |
| RentPrep (Roofstock) | FCRA-certified human screeners who manually review reports | Adds manual review and prior-landlord phone verification SmartMove automates away |
| RentSpree | Full rental workflow, widely integrated with listing platforms | Bundles application, screening, and e-sign rather than a stand-alone report |
| TenantCloud | All-in-one property management with screening built in | Screening rides on top of rent collection, accounting, and maintenance tools |
| MyRental | CoreLogic-backed screening with extra registry checks | Entry package may add checks such as prior-address history beyond SmartMove’s basics |
| Apartments.com | Free-to-landlord screening inside a large listing site | Apartments.com’s own help documentation describes its screening as TransUnion-sourced and returning a ResidentScore, so the underlying data is the same – it differs by being applicant-paid and tied to the Apartments.com application workflow rather than sold as a stand-alone report |
The pattern is clear: SmartMove wins on speed, brand, and direct-bureau credit data; the alternatives win when you want human review, an end-to-end workflow, a different bureau, or a fuller data set. For a structured shortlist, our editors maintain a running best tenant screening service roundup.
SmartMove vs Full-Service Tenant Screening
Set against a full-service screen – the kind that pulls broader data, verifies income, and supports the adverse-action step – the differences line up cleanly.
TransUnion SmartMove
- ✓Direct TransUnion credit report and ResidentScore.
- ✓Applicant-completed – the tenant enters their own data and can pay the fee.
- ✓Soft inquiry, no subscription, same-day turnaround.
- ✕Single bureau; database-only eviction search.
- ✕Income Insights estimate, no document verification; no rental references.
Full-Service Screening
- ✓Broader credit sourcing and standard FICO or VantageScore options.
- ✓Landlord-driven end to end – you are never waiting on the applicant to act.
- ✓Court-record eviction search for wider coverage.
- ✓Document-based income verification and reference collection.
- ✓Built-in adverse-action support to keep the FCRA step from slipping.
Neither column is “right” in the abstract. The honest read is that SmartMove is optimized for the low-volume, low-complexity case, and a full-service screen earns its keep as the property value, the applicant risk, or the screening frequency climbs. Our overview of background check options and our tenant check guide lay out what a fuller report can add.
Which Should You Use, SmartMove or a Fuller Screen?
Match the tool to your situation rather than to the loudest brand. This grid maps common landlord profiles to the sensible choice.
| Your situation | SmartMove fit | Fuller / alternative fit |
|---|---|---|
| First-time landlord, one unit, well-reported county | Good fit | Also works |
| Applicant tied to a no-criminal-data jurisdiction | Supplement needed | Better fit |
| Higher-value property, want maximum data | Consider supplementing | Better fit |
| Screen frequently / high turnover | Per-report cost adds up | Better fit |
| Need document-based income verification | Estimate only | Better fit |
| Want a recognizable bureau brand for applicants | Brand helps | May need to explain |
| Need an applicant-pays option | Yes | Yes |
Does SmartMove Keep You FCRA-Compliant?
This is the question that is easiest to get wrong. SmartMove is operated by TransUnion, an FCRA-regulated consumer reporting agency, so the reports it produces are consumer reports under the Fair Credit Reporting Act. But using a compliant vendor does not transfer your duties to that vendor – the legal obligations of the Act rest on you, the decision-maker.
Three duties stay with the landlord no matter which service produces the report. You need a permissible purpose – the rental application the person actually submitted – under 15 U.S.C. section 1681b, specifically the business-transaction-initiated-by-the-consumer purpose at section 1681b(a)(3)(F). You should have the applicant’s written authorization before the report is pulled: the FCRA does not itself require it for tenant screening the way section 1681b(b) does for employment, but screening vendors’ terms generally require it, several states require it, and it is your evidence of permissible purpose if the pull is ever challenged. And if you take any adverse action based in whole or in part on the report – a denial, a higher deposit, a required cosigner – you must send an adverse action notice under 15 U.S.C. section 1681m that names the reporting agency, states the agency did not make the decision, and tells the applicant they may get a free copy of the report and dispute inaccurate information under section 1681i. Our adverse action notice guide and the broader FCRA compliance guide for landlords walk through each step, and the Fair Housing Act guide covers the anti-discrimination rules that run alongside the FCRA.
The compliance bottom line. A consumer report from SmartMove, a full-service screen, or any alternative is a consumer report – and every one carries the same federal duties: a permissible purpose and the adverse action notice – with documented authorization as the practical proof of the first. Apply identical criteria to every applicant, keep the paperwork, and the tool you chose becomes a detail rather than a liability.
SmartMove Report Errors, Disputes, and What an Applicant Can Do
Screening reports contain errors, and a landlord who understands the dispute path makes better decisions than one who treats the report as a verdict. Two duties sit on opposite sides of the same transaction.
If you are the landlord: when an applicant tells you an item is wrong, you are not obliged to investigate it yourself – the reinvestigation duty is the reporting agency’s. What you must do is send the adverse action notice under 15 U.S.C. section 1681m if the report changed your decision, name TransUnion Rental Screening Solutions as the agency, state that the agency did not make the decision, and tell the applicant they may obtain a free copy of the report and dispute it. Holding a unit for a few days while a genuine mixed-file dispute is resolved costs far less than a vacancy or an FCRA claim.
If you are the applicant: a SmartMove report is a consumer report, so the Fair Credit Reporting Act gives you the right to see it and correct it.
- You can request your own report. TransUnion Rental Screening Solutions will provide the tenant and income reports you authorized to landlords on request. Where a company is required to provide the report free annually, the CFPB notes it must do so within fifteen days of receiving the request. Requesting your own report does not hurt your credit score.
- You dispute in writing to the Consumer Dispute Team – TransUnion Rental Screening Solutions, Attention: Consumer Dispute Team, P.O. Box 800, Woodlyn, PA 19094, or by phone at 800-230-9376 (Option 4). Under 15 U.S.C. section 1681i the agency must conduct a reasonable reinvestigation free of charge, generally within thirty days. Separately, under section 1681s-2(b), a furnisher whose own investigation finds the item inaccurate or incomplete must correct, delete or block it and report that result to the nationwide consumer reporting agencies it sent the data to.
- You cannot run SmartMove on yourself as a landlord would. Only a landlord can open the request; you complete your half of it. To see your own file, use the consumer request route above rather than opening a landlord account.
A denial based on a report you never named is a common FCRA mistake
If the report contributed to a denial, a higher deposit, or a cosigner requirement, the notice is required – even if you also had other reasons, and even if you told the applicant verbally. Naming the agency is what lets the applicant find and fix the error. Our adverse action notice guide has the wording.
TransUnion SmartMove: Frequently Asked Questions
Is TransUnion SmartMove worth it for landlords?
SmartMove is a solid, no-frills choice for an independent landlord who screens occasionally and mainly wants a credit report, a criminal search, and an eviction search sourced directly from TransUnion, with no monthly subscription. It is a weaker fit if you need broad eviction coverage, real document-based income verification, rental-history and reference collection, or multi-bureau credit data – in those cases a fuller service or an alternative usually gives a more complete picture.
How much does SmartMove cost and who pays the fee?
As published on mysmartmove.com in August 2026, SmartMove sells three per-applicant tiers with no monthly subscription, running from twenty-five dollars for SmartCheck Basic to forty dollars for SmartCheck Plus and forty-nine dollars for SmartCheck Premium, per screening, plus tax where applicable. Basic covers ResidentScore and the criminal report only; Plus adds the full credit report and the eviction-related report; Premium adds Income Insights and the identity check. TransUnion adjusts these over time, so confirm the current price before quoting it. The landlord can absorb the fee or pass it to the applicant where state law permits an applicant-paid screening fee.
Which states does SmartMove not cover for criminal checks?
SmartMove’s own coverage disclaimer (Rev. Date 1/14/2026) lists the states where criminal records are available to return, and there are only thirty. Criminal data is therefore unavailable in 20 states plus the District of Columbia: Alabama, California, Delaware, Hawaii, Idaho, Kentucky, Maine, Massachusetts, Michigan, Mississippi, Montana, Nevada, New Hampshire, New York, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wyoming, and DC – which means California and New York applicants return no criminal data at all. New Jersey and Cook County, Illinois are often listed as gaps but are not: criminal data is available there, under SmartMove’s phased screening rule, where you run the non-criminal bundle first and order the criminal-only bundle after certifying the applicant met your preliminary criteria. Where there is genuinely no data, supplement with a search that reaches those courts, subject to the local fair-chance rules that limit how criminal history may be used.
Does SmartMove do a hard or soft credit check?
SmartMove uses a soft inquiry, so running a SmartMove screen does not lower the applicant’s credit score. Because the applicant enters their own Social Security number into TransUnion’s system rather than handing it to the landlord, many applicants find the flow more comfortable.
Does SmartMove verify income or check rental history?
Not in the document sense. SmartMove’s Income Insights estimates income and flags applicants whose stated income looks inconsistent, but it is not verification of pay stubs, bank statements, or tax returns. SmartMove’s standard application also does not collect rental history or landlord references, so you typically run a separate step to confirm income and prior tenancy.
Which is better, SmartMove or RentPrep?
Neither is universally better – they solve different problems. SmartMove is fast, automated, and TransUnion-sourced. RentPrep, a Roofstock company that also powers Stessa’s screening, is known for FCRA-certified human screeners who manually review reports and can call prior landlords, which can surface nuance an automated report misses. Choose SmartMove for speed and self-service; choose RentPrep-style manual review when you want a human to vet the file.
What is ResidentScore and how does it compare to a FICO score?
ResidentScore is TransUnion’s proprietary rental-specific score, reported on a 350 to 850 range. TransUnion says it predicts eviction risk more accurately than a generic credit score because it weights rental-relevant behavior. It is a legitimate tool, but it is not a standard FICO score, so landlords who set a fixed FICO or VantageScore cutoff should not treat the two numbers as interchangeable.
Is SmartMove FCRA compliant, and does that make me compliant too?
SmartMove is operated by TransUnion, an FCRA-regulated consumer reporting agency, so the reports are consumer reports under the Fair Credit Reporting Act. That does not transfer your duties to the vendor. If you take an adverse action based on the report you must still send the applicant an adverse action notice under 15 U.S.C. section 1681m, name the reporting agency, and tell them about their right to dispute inaccurate information under section 1681i.
Can a tenant dispute a SmartMove report, and can I require applicants to use it?
Yes to both, with one real exception. Because a SmartMove report is a consumer report, an applicant may dispute inaccurate information directly with TransUnion Rental Screening Solutions, which must reinvestigate, generally within thirty days under 15 U.S.C. section 1681i. In most states you may require applicants to authorize a specific FCRA-compliant screening service as a condition of applying. Colorado is the exception: under C.R.S. 38-12-904(1.5)(a) a landlord SHALL ACCEPT a portable tenant screening report, unless the landlord qualifies for the narrow exemption at 38-12-904(1.5)(f) – taking only one application fee at a time and refunding it within twenty calendar days. Where a Colorado applicant supplies one, you may not charge a fee to access or use it (38-12-904(1.5)(c)) or a rental application fee (38-12-903(2)(b)). Maryland and Washington are often listed alongside Colorado but do NOT require acceptance: Md. Real Prop. section 8-218(c)(1) and RCW 59.18.257(1)(a)(iv) require you to disclose whether or not you accept a reusable report – though if a Maryland landlord does accept one, section 8-218(d) bars both an access fee and an application fee. State caps on application and screening fees apply on top of all of that.
How long does a SmartMove report take?
Most SmartMove reports are returned within minutes to the same day once the applicant finishes their portion and passes identity verification. Because the applicant must complete their half before the report generates, the main delay is waiting on them rather than on report generation itself.
Is TransUnion SmartMove legit?
Yes. SmartMove is a real TransUnion product, operated by TransUnion Rental Screening Solutions, Inc., which the Consumer Financial Protection Bureau lists in its published list of consumer reporting companies. It is regulated under the Fair Credit Reporting Act, it publishes a consumer dispute address in Woodlyn, Pennsylvania, and the applicant enters their Social Security number directly into TransUnion’s system rather than handing it to the landlord. It is not a lookalike site and it is not a scam.
Does SmartMove affect the applicant’s credit score?
No. SmartMove pulls a soft inquiry, so being screened does not lower the applicant’s credit score and is not treated by other lenders as a credit-seeking event. This is true at every tier, including the tiers that include the full credit report.
How far back does a SmartMove report check?
Under 15 U.S.C. section 1681c most negative items may be reported for seven years and bankruptcies for ten. The exception people miss is criminal records: records of arrest sit in section 1681c(a)(2), which runs seven years or the governing statute of limitations, whichever is longer, and there is no federal time limit at all on reporting a conviction. California (Civ. Code section 1786.18(a)(7)) and New York (GBL section 380-j(f)(1)(v)) cap conviction reporting at seven years by their own statutes, and many states and cities separately restrict how far back a landlord may consider criminal history at all.
Can I run SmartMove on myself, or see my own SmartMove report?
Not as a landlord would – the screen is landlord-initiated, so a landlord sends the request and the applicant completes their half. To see your own file, request it from TransUnion Rental Screening Solutions, which will provide the tenant and income reports you authorized to landlords. Write to the Consumer Dispute Team at P.O. Box 800, Woodlyn, PA 19094 or call 800-230-9376 (Option 4). Requesting your own consumer report does not hurt your credit score.
Related Landlord and Screening Guides
- How to screen tenants – the full step-by-step screening workflow.
- Best tenant screening service – our running shortlist of the strongest options.
- Tenant check guide – what a complete background check should include.
- Tenant credit guide – reading credit reports and scores responsibly.
- How to verify tenant income – the document side SmartMove estimates.
- Adverse action notice guide – the notice the FCRA requires after a denial.
- FCRA compliance for landlords – the federal rules behind every screen.
- Tenant screening laws by state – fee caps and disclosure rules by jurisdiction.
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Published by Tenant Screening Background Check · Editorial Team
Established 2004. Our editorial team has spent two decades helping independent landlords and property managers run lawful, FCRA-compliant tenant screening across all 50 states. We test and compare screening tools so you can match the report to the risk instead of the brand.
Legal Disclaimer
This article is for general informational and comparative purposes only and is not legal advice. Product features, tiers, and pricing for third-party services such as TransUnion SmartMove, RentPrep, RentSpree, TenantCloud, MyRental, and Apartments.com change over time – verify current offerings directly with each provider. All tenant screening must comply with the Fair Credit Reporting Act (15 U.S.C. section 1681 et seq.), the Fair Housing Act, and applicable state and local laws, which vary by jurisdiction. Consult a licensed attorney in your jurisdiction before relying on any procedure described here. Reading this page does not create an attorney-client relationship.
