When you opt to use TurboTenant for your tenant screening, you will not only enjoy the fact that it is a free service for landlords, but you will also enjoy the easy-to-read format of the screening report.

The report includes a simple overview of the applicant and more in-depth sections. These sections contain extremely valuable information but also contain terminology you might need to be more familiar with.

To make the tenant screening process even simpler for you, this guide will help you read the entirety of the tenant screening report. Click here to learn the difference between an application and a screening report.

Most of a screening report is straightforward information that is easy to understand.

However, some of the terms used in a tenant screening report could be confusing if you have never heard them used before. Below is a quick terminology guide that you can use as a point of reference for your screening report.

As pictured above, the first part of the report is the snapshot. This is a quick overview of the applicant and gives you valuable information, such as their credit score, the number of criminal records found, evictions on record, employers on file, accounts in collection, and public records.

This section is valuable for landlords who are seeking applicants with a specific credit score. The numbers will appear in red, orange, yellow, or green, depending on the credit score's high or low.

It is also important to note that the credit recommendation is based solely on the applicant’s credit score. It does not consider any criminal records, evictions, or other information from the report.

This recommendation is based on the following bar graph:

Another important thing to note about this section of the screening report is that the number of employers reported may be less than 100 percent accurate, due to the lag in employment reporting to credit agencies.

As a landlord, you need to verify your current employment and check references on your own. The applicant also reports their own income, which means you need to verify their income to ensure accuracy independently. If you want an easier way to verify income, you can utilize Snappt, TurboTenant's income verification and fraud detection tool. Snappt analyzes uploaded income documents, verifies income and employment against payroll and other data sources, and detects document fraud. The Snappt section of the report shows a Passed, Failed, or Insufficient Documentation ruling — note that Insufficient means Snappt couldn't evaluate the document (wrong type or format), not that fraud was detected. When income is calculated, you'll see the applicant's approximate monthly and annual gross income, employer name, employment status, employment type, and pay period breakdowns.

Be aware, that if you decide to deny an applicant based on information in their credit report, you’ll need to follow the Fair Credit Reporting Act rules regarding notifying them.

We aim to provide a safe and secure community for all our residents. To do this, we partner with RentButter to conduct comprehensive, nationwide criminal background screenings.

Our background checks cover all 50 states. This process identifies:

We believe in a fair housing process. It is important to note that our reports are subject to State Suppression Laws. Depending on where you are applying, certain records may be legally withheld from our view to protect applicant rights:

We do not use a "blanket ban" on criminal history. Every report is reviewed on an individual basis, taking into account:

Additional Note: Cook County, IL, Detroit, MI, Montgomery County, MD, Oakland, CA, Berkeley, CA, and Washington, D.C. use a two-phase screening process that TurboTenant does not currently support. In these areas, results will indicate whether records exist, but specific charge details will not be provided. To learn more, you’ll need to research the charges independently.

This section may need to be clarified at first glance. However, if you use the terminology guide from above, you can break down the information quickly.

This section provides details about each type of account, whether it is something with an installment payment plan, revolving (such as credit cards), or a mortgage. This section also informs you of how much is owed and how much is past due.

You can also see the total balance owed on all accounts, the total past due amount owed, and the credit limit the applicant has left.

In this example, this report shows a credit limit of $475, which is extremely low. The total past due here is $10,067, which would alert you that this applicant is in financial trouble.

This is why income verification is very important. Someone may have multiple tradelines with large monthly payments, but if they have the income to back this up, it isn’t necessarily a bad thing.

However, if they have multiple accounts that are past due, you might have a concern about their ability to pay rent on time. Make income verification easier with Snappt Income Verification & Fraud Detection.

This section of the screening report will show you a calendar of payments.

This will let you know with green check marks when payments were made on time and with yellow, orange, and red circles the number of days a payment has been late.

This section will help you see how often the applicant misses payments or makes payments on time.

This section provides information for applicants who have had accounts sent to collections. If they have nothing in collections, there will not be information here.

However, in this example above, you can see how many accounts are in collections, the details of what is owed, and the credit grantor's name.

This section will show you what public records are on file for the applicant. These include tax liens and civil judgments.

This section will also give you details about the records and the dates they were reported.

View a prospective tenant's eviction history** in this section of the report.

As a landlord, your goal is to find a responsible tenant who pays on time and respects your property. Our goal at TurboTenant is to help you do that through detailed tenant screening reports.

While, ultimately, the decision will be up to you as to who you accept and decline, you can use tenant screening to effectively learn important details about an applicant's background.

Remember, always abide by Fair Housing regulations and ensure you use standard criteria for all applicants when determining who you will accept or reject. Also, be aware that if you deny an applicant based on information in their credit report, you’ll need to follow the Fair Credit Reporting Act rules regarding notifying the applicant. If you are uncertain about how best to handle the rejection and acceptance portion of the screening, consult with a local attorney for advice.

TurboTenant Inc. does not provide legal advice. This material has been prepared for informational purposes only. All users are advised to check all applicable local, state, and federal laws and consult legal counsel should questions arise.