Full credit reports, nationwide criminal checks, eviction history, and AI-powered risk scoring — FCRA-compliant and paid entirely by the applicant. You pay nothing.
Applicant pays the fee · $0 cost to landlords · Results in seconds
Traditional screening services charge landlords $20–$50 per report. VerticalRent flips this model: the applicant pays the screening fee directly, the same way they pay an application fee.
This is 100% legal in all 50 states. In fact, it's the standard practice at large property management companies — now available to independent landlords.
Six data sources combined into a single, easy-to-read dashboard.
Complete credit report with score, payment history, open accounts, derogatory marks, and debt-to-income signals.
Searches millions of court records, sex offender registries, and national watch lists across all 50 states.
Nationwide eviction search across civil courts so past evictions don't become your problem.
Confirms the applicant is who they say they are with SSN trace and identity validation.
Verifiable rental history — previous addresses, landlord contacts, and length of tenancy.
Claude AI reads the entire report and produces a plain-English risk summary with a 1–100 confidence score.
Instead of wading through pages of raw 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.
Strong credit history (720+), no evictions, verified income at 3.8x rent. One 30-day late payment from 2022 — low concern overall.
From invite to decision in under 5 minutes.
Send a screening invite link from your dashboard. The applicant pays the fee directly — no cost to you.
FCRA-compliant digital consent is captured automatically. The applicant completes a mobile-friendly form.
Credit, criminal, and eviction reports land in your dashboard within seconds, along with the AI Risk Score.
Approve or decline with confidence. Adverse action notices are generated automatically to keep you FCRA-compliant.
The Fair Credit Reporting Act governs how screening data can be used. VerticalRent bakes compliance into every step — from consent capture to adverse action notices.
Step-by-step guide to running tenant background checks, setting screening criteria, and staying FCRA-compliant.
Yes. Landlords pay $0. The applicant pays the screening fee directly — this is legal in all 50 states and is the industry standard for professional property management.
A full TransUnion credit report, nationwide criminal background check, eviction history search, identity and SSN verification, rental history, and an AI Risk Score that summarizes all findings in plain English.
Most reports are returned within seconds to minutes. You'll have the full report — including the AI Risk Score — ready to review in under 5 minutes.
Yes, fully. We capture digital consent before every screening, maintain a complete audit log, encrypt all SSN data, and automatically generate adverse action notices when you decline a screened applicant.
Yes — this is legal in all 50 states. Landlords are permitted to require applicants to cover their own background check and credit report. VerticalRent handles all payment collection directly.
Most landlords target 620+, though this varies by market. VerticalRent's AI Risk Score contextualizes the full report — credit score, payment history, eviction record, and income ratio — giving you a complete picture beyond a single number.
Sign up in minutes. Applicants cover the screening fee. No credit card required.
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