Looking for an Instant Credit Report and FICO Score?

Underwriting allows you to access credit history on demand without having to wait for your applicants to release their report to you. Underwriting is optional and available upon request. We recommend it if you own or manage 10 or more rental units.

Instant access to credit reports and scores is granted by the credit bureaus after the underwriting process is completed. All it takes is 2 steps and 3 -5 business days!

  1. Documentation: Submit documents to show you own or manage rentals. Documents required are listed below and vary depending on whether you are a broker, property management company, private company, or landlord.
  2. Onsite Physical Inspection: A 3rd party, approved by the major credit bureaus, inspects your home or commercial office to ensure your location is secure.
    • The inspection fee is $59.95. An annual inspection is required if you have a home office. If you have a commercial office, an inspection is only required again if you move.
    • You’ll need a paper shredder and locked filing cabinet to pass the inspection.

I am an individual owner/controlling partner of a small number (approximately 25 units or less) of rental units and hold title as an individual, fictitious business name, closely held corporation, family trust or LLC.

Your office must be separate from the rental unit living quarters. If you still reside in the rental unit, we are unable to approve you for instant credit reports. However, you can still order a report by providing the tenant’s email and waiting for them to release the credit report to you. Learn more. All documents below are required by the credit bureaus in order to comply with federal guidelines.

  • Driver’s license
  • Phone bill
  • Voided check where rent is deposited
  • A signed rental application OR signed rental lease
  • County tax assessor’s bill OR escrow statement OR closing statement
  • Deed OR public record verification OR property insurance OR utility bill OR flood certification OR title insurance

FOR SMALL PRIVATE COMPANIES ONLY, in addition to the above please provide:

  • A list of rental property addresses
  • Business license OR fictitious business name (DBA) filing OR state tax records OR federal tax records

Please allow 1 to 3 business days after the onsite inspection is completed for your account to be approved. Once approved, credit access is immediate and full credit reports are provided within seconds of placing your tenant screening package order. Any missing information will delay the underwriting process.

I am an owner/managing employee of one or more large apartment complexes, or an officer of a corporation owning one or more large apartment complexes.

Your office must be separate from the rental unit living quarters. If you still reside in the rental unit, we are unable to approve you for instant credit reports. However, you can still order a report by providing the tenant’s email and waiting for them to release the credit report to you. Learn more.

All documents below are required by the credit bureaus in order to comply with federal guidelines.

  • Driver’s license
  • Phone bill
  • 3 signed rental applications
  • Voided check where rent is deposited
  • List of rental properties and manager names/numbers
  • Business license OR fictitious business name (DBA) filing OR state tax records OR federal tax records

Please allow 1 to 3 business days after the onsite inspection is completed for your account to be approved. Once approved, credit access is immediate and full credit reports are provided within seconds of placing your tenant screening package order. Any missing information will delay the underwriting process.

I am an officer or managing employee of a fee based Property Management Company.

Your office must be separate from the rental unit living quarters. If you still reside in the rental unit, we are unable to approve you for instant credit reports. However, you can still order a report by providing the tenant’s email and waiting for them to release the credit report to you. Learn more.

All documents below are required by the credit bureaus in order to comply with federal guidelines.

  • Driver’s license
  • Phone bill
  • Voided check where rent is deposited
  • List of rental properties and manager names/numbers
  • Business license OR fictitious business name (DBA) filing OR state tax records OR federal tax records
  • Property management contract signed by a property owner for whom you manage OR a blank contract with an existing client reference

Please allow 1 to 3 business days after the onsite inspection is completed for your account to be approved. Once approved, credit access is immediate and full credit reports are provided within seconds of placing your tenant screening package order. Any missing information will delay the underwriting process.

I am a licensed real estate broker or agent for a licensed real estate broker.

Your office must be separate from the rental unit living quarters. If you still reside in the rental unit, we are unable to approve you for instant credit reports. However, you can still order a report by providing the tenant’s email and waiting for them to release the credit report to you. Learn more.

All documents below are required by the credit bureaus in order to comply with federal guidelines.

  • Driver’s license
  • Phone bill
  • Real estate broker’s license
  • Voided check where rent is deposited
  • 3 signed rental applications OR proof of membership in an apartment association

Please allow 1 to 3 business days after the onsite inspection is completed for your account to be approved. Once approved, credit access is immediate and full credit reports are provided within seconds of placing your tenant screening package order. Any missing information will delay the underwriting process.