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FCRA-Compliant Tenant Screening

Know Exactly Who You're Renting To

National criminal, eviction, and rental history — FCRA-compliant. Any single report is 1 screening credit ($5). A $5 identity check becomes 1 credit. Platinum includes identity and 1 report each month. AI risk scoring is Platinum (10 credits). Credit reports are not live.

Any report is 1 credit ($5) · Platinum includes 1 report each month · Applicant-pays optional on invites

Everything in One Report

Criminal, eviction, and rental history in one dashboard. AI scoring is Platinum. Credit reports are not live.

Credit Report (not live)

Not live

A TransUnion or Experian credit report with score is not available to order today.

National Criminal Background

Searches 2,800+ active jurisdictions and 2.4 billion criminal records — federal courts, state repositories, and sex offender registries nationwide.

Eviction History

Nationwide eviction search across civil courts so past issues don't become your problem.

Identity & SSN Verification

Confirms the applicant is who they say they are with SSN trace and identity validation.

Rental History

Verifiable rental history report — previous addresses, landlord contacts, and length of tenancy.

AI Risk Score (Platinum)

Platinum: Claude AI analyzes the full report and produces a plain-English risk summary with a 1–100 score.

Powered by Claude AI

The AI Risk Score cuts through the noise

Instead of wading through pages of data, our AI reads the entire report and gives you a plain-English summary: what stands out, what the risks are, and a 1–100 confidence score.

Flags high-risk patterns automatically
Explains findings in plain language
Compares against local rental market norms
Platinum · 10 AI credits per risk score
AI Risk ScoreLow Risk
82/ 100

No evictions. Rental history verified. AI Risk Score is Platinum (10 credits) — not a bureau credit score. Credit reports are not live.

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Decline

How It Works

From invite to decision in under 5 minutes.

01

Invite the Applicant

Send a screening invite. Applicant-paid screening is optional — you can cover reports or let the applicant pay.

02

Applicant Consents & Submits

FCRA-compliant consent is captured digitally. The applicant provides their info on a mobile-friendly form.

03

Reports Arrive Instantly

Criminal, eviction, and rental-history reports appear in your dashboard within seconds. AI Risk Score is Platinum (10 credits). Credit reports are not live.

04

Make Your Decision

Approve or decline with confidence. If declined, our adverse action notice system keeps you FCRA-compliant.

Built for FCRA Compliance

We sweat the compliance so you don't have to

The Fair Credit Reporting Act (FCRA) governs how you can use screening data. VerticalRent bakes compliance into every step — from consent capture to adverse action notices.

FCRA-compliant adverse action notices
Encrypted SSN storage — never stored in plaintext
Full audit log of every screening action
Permissible purpose documented on every order
Renter dispute flow built in
Data from Data Divers + DX Data Exchange (credit reports not live)
Results in Seconds
No waiting for reports
FCRA Compliant
Every step of the way
Optional Applicant-Pays
Any report is 1 credit ($5)
Encrypted Data
SSN never stored plaintext

Start screening smarter today

Any single report is 1 screening credit ($5). Platinum ($5/mo) includes identity, 1 report each month, and AI risk scores. Applicant-paid screening is optional on invites.

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