TransUnion SmartMove is a tenant screening service powered by TransUnion, one of the three major credit bureaus. The platform provides landlords with comprehensive tenant background checks including credit reports, criminal history, eviction records, and income verification. SmartMove is designed for independent landlords who want quick, reliable screening without needing a business account or subscription. Reports are available within minutes and can be paid for by either the landlord or the applicant. The service leverages TransUnion's massive consumer database for accurate, up-to-date screening data and is widely integrated with property management platforms.
✓ Pros
✓Backed by TransUnion—one of the three major credit bureaus
✓No subscription required—pay per screening
✓Reports available within minutes
✓Applicant-pays option saves landlords money
✓ResidentScore specifically designed for rental risk
✗ Cons
✗Per-screening costs add up for high-volume landlords
✗Limited to US market
✗No ongoing monitoring—point-in-time screening only
TransUnion SmartMove Features
✦ Credit ReportsFull TransUnion credit report with credit score and payment history.
✦ Criminal Background CheckNational criminal database search covering all 50 states.
✦ Eviction HistoryNationwide eviction records from court databases.
✦ Income InsightsIncome verification using TransUnion data to validate applicant earnings.
✦ ResidentScoreProprietary scoring model designed specifically for rental risk assessment.
✦ OFAC CheckScreening against the Office of Foreign Assets Control terrorism watchlist.
✦ Recommendation EngineAccept/review/deny recommendations based on screening results.
✦ Instant ResultsReports available within minutes of applicant completion.
✦ Applicant-Pays OptionApplicants can pay for their own screening to save landlords money.
✦ No Subscription RequiredPay-per-use model with no monthly fees or long-term commitments.