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Once a Profile passes AI validation, RentSmart orders three TransUnion reports automatically. Together they form the screening package the AI uses to apply your Auto Denial Rules.

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The three reports

  • Credit Report — credit score, accounts, collections, payment history
  • Criminal Report — criminal record check
  • Housing History Report — eviction filings and outcomes (dispossessory actions, writs of possession)
All three are pulled per individual prospective tenant — not per household. A 3-adult household generates 9 reports.

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Waiting on Reports

While the reports are being pulled:
  • Profile status: Waiting on Reports
  • Household status: Waiting on Reports (once every Profile is at this stage)
Reports usually return within a few minutes but can take longer during peak times.

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What happens after reports arrive

Two things happen:
  1. The Background & History tab on each Profile is re-validated against the TransUnion data. Any contradictions (e.g., reported “no evictions” but the report shows one) flip that section to Failed and send the prospective tenant back to Awaiting Applicant.
  2. Once all cross-checks pass, the Profile becomes Validated, and the household moves to In Review.

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In Review — AI screens against your rules

Now the screening AI compares the validated household against your Auto Denial Rules:
  • Hardline failure → Household auto-denied. Every household member gets an Adverse Action Letter automatically.
  • Soft tolerance (within 0.5× of rent-to-income or within 50 points of credit score) → Household is still delivered to you for review.
  • Pass → Household moves to Pending and lands in your queue for a final decision.
Most reviews complete in 5–7 minutes. If something triggers Human Review (e.g., an edge case in the data), it can take longer.

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Where to view reports

On any prospective tenant’s Individual Profile page, the Credit Check tab shows three buttons:
  • Credit Report
  • Criminal Report
  • Housing History Report
Each opens the report directly from TransUnion in a modal. You can review the source data any time after the reports arrive. Every prospective tenant explicitly consents to TransUnion screening when they create their Profile. The screening AI’s denial decisions cite the specific TransUnion data point — that’s what gets included in the Adverse Action Letter when a denial is sent.

Auto Denial Rules

The thresholds the screening AI applies against the reports.

Reviewing a household

Where to view profiles, documents, and reports.