SmartMove Report by TransUnion Rental Screening

TransUnion SmartMove is a tenant screening company and nationwide specialty consumer reporting agency. SmartMove is operated by TransUnion Rental Screening Solutions. SmartMove provides fast background checks to help property owners decide whether to approve a rental applicant. 

(1) More Information about the SmartMove Report

To generate these screening reports, SmartMove gathers several types of personal and financial information. It collects full credit reports from TransUnion’s database, including bill payment histories, loan balances, credit usage, and past bankruptcies. SmartMove also scans national criminal records, state registries, court records, and past housing eviction filings. Additionally, it gathers identity details and uses an Income Insights report to compare an applicant’s self-reported income against estimated financial data to confirm they can afford the monthly rent.

The primary customers buying SmartMove products are individual landlords, small property owners, housing managers, and real estate brokers. These buyers purchase screening packages—such as SmartCheck Basic, Plus, or Premium—to reduce the chance of missed rent or evictions. SmartMove offers flexible payment options, allowing either the landlord or the rental applicant to cover the report fee.

According to the TransUnion SmartMove website, the main credit scoring product sold through this platform is ResidentScore. Unlike a standard credit score built for mortgages or auto loans, ResidentScore was created specifically to evaluate rental applicants. It uses the familiar three-digit scale ranging from 350 to 850, where a higher score represents lower risk. TransUnion built the score by analyzing millions of actual rental outcomes to predict the likelihood of a lease default or eviction.

SmartMove highlights that ResidentScore predicts evictions 15% better than a traditional credit score. It is also designed to help landlords evaluate applicants with “thin” credit files—meaning people with limited credit history who might otherwise receive no score at all. By looking closely at factors like payment behavior, credit availability, and credit inquiries through a rental-focused lens, ResidentScore gives property owners a clearer picture of tenant risk.

(2) Request a SmartMove Report by Telephone or Mail

Request a copy of your TransUnion SmartMove Report by telephone (800-230-9376) or by mail (TransUnion Rental Screening Solutions, Attention: Consumer Dispute Team, P.O. Box 800 Woodlyn, PA 19094).

(3) Request a SmartMove Report Online

Special Scores provides an online option to request your SmartMove Report file.

(4) Dispute Errors in Your SmartMove Report

If you find information in your consumer report that you believe is inaccurate or incomplete, you may have the legal right to dispute the report’s content with the consumer reporting company and the company that shared the information to the reporting company. Under federal law, the Fair Credit Reporting Act (FCRA), companies must conduct a reasonable investigation of your dispute. The company that provided the incorrect information must correct the error, and notify every consumer reporting company to whom it provided the inaccurate information.