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Only about eight out of 10 tenants pay their rent on time, according to the National Multifamily Housing Council, a trade association for the apartment industry.
Savvy landlords can play defense by using a good tenant screening service to check an applicant’s credit, income, rental, eviction history, and criminal background. Having access to this type of private data, however, comes with rules and regulations governed by the Fair Credit Reporting Act (FCRA).
We reviewed 18 tenant screening services based on price, the breadth of their services, speed, and their compliance with the FCRA. From this research, we chose the best seven to help you protect your investment.
Best Overall : First Advantage
First Advantage wins best overall because of its broad scope of services, a robust library of white papers and datasheets, and its human review process to minimize the risk of false positives.
Access to library of information on landlord-tenant relationships
Links to their partner ecosystem for complementary services
Criminal records database updated daily
Human review to reduce false positives
No pricing online; must call for quote
Website navigation potentially confusing
Founded in 2003, First Advantage has grown to become one of the largest screening services in the world, with 26 locations in 14 countries. The company powers more than 70 million background screens annually and is considered one of the most competent companies in the industry.
Landlords call or email First Advantage’s sales department to discuss criteria needs and the number of screens to get a price quote. A unique package is crafted that draws on the scope of First Advantage’s services, plus the supplemental offerings from the company’s partner ecosystem. For example, with Credit Passport from Nova Credit, you can get credit insight for foreign national tenant applicants who have not yet established credit history in the U.S.
First Advantage provides rental, landlord, and utility debt history, in addition to criminal background checks across every state. Their FCRA-compliant services extend into identity fraud as well. Since many evictions are not reported to credit agencies, First Advantage maintains its own database updated with initial filings, possessions, judgments, timely payments, and lease disputes.
As a result, most information landlords need is available within a few minutes. Another factor that earned First Advantage top marks was that you can learn why these criteria are important in their online library, full of webinar video recordings, white papers, blog posts, datasheets, and trend reports.
Landlords can choose from multiple credit reporting agencies when screening a potential tenant. First Advantage also offers a streamlined service for landlords to store forms online. As a result, everything from initial screening to tenant payment performance to filings and background screening can be captured in the forms database.
For customer service, landlords and applicants can call or email for guidance or file a dispute. First Advantage also has an FAQ page with answers and links to expedite solutions.
Best for Realtors : SmartMove
Some landlords have realtors market their properties and conduct screenings. SmartMove is the best tool for realtors with this responsibility because they can manage multiple properties from one account and have applicants pay for screenings.
No membership is needed to request a report.
Manage multiple properties from a single account
Charge the applicant for the screen if you wish
Performed by TransUnion
Federal, state, and local laws may prohibit SmartMove from reporting on some criminal records
Criminal results not available in Delaware, Hawaii, Kentucky, Massachusetts, New Jersey, South Dakota, Wyoming, or Cook County, Illinois.
SmartMove, started by TransUnion in 2008, brought big customer power to small business realtors trying to conduct criminal reports economically and quickly.
SmartMove offers three plans: SmartCheck Basic for $24.99, SmartCheck Plus for $39.99, and SmartCheck Premium for $41.99 per screening. For Basic, you receive a credit-based resident score and a national criminal background check. The Plus plan adds a full credit report and a national eviction report. With Premium, SmartMove gives you an Income Insights report, which lets the realtor know if the applicant needs further income verification. And for the benefit of the applicant, the Income Insight report accounts for non-work income such as child support or alimony.
There are no setup fees, no minimums, no monthly service charges, or hidden fees. There’s also no wait to find out if your account is approved. Within minutes of registering, you can be running your first applicant screen. In each tenant screen, you can charge the cost to the applicant or your company. It rises above other services because it is a system designed for a landlord to delegate the screening responsibility to a realtor. The pricing is transparent, and the realtor can screen for multiple properties within a single account.
Customer service is available via phone, and the company offers helpful information through its FAQ page.
Best for Multiple Properties : RentPrep
Fidelis Screening Solutions’ RentPrep is the best option for landlords with multiple properties because it offers a discounted bulk volume price.
It hires, trains, and employs FCRA-certified screeners.
Substantial discount for owners of 50 or more properties
Associated with TransUnion’s SmartMove Reporting
Phone, chat, and email customer support
Cannot provide reports instantly
Credit Check Add-on does not include a credit score.
RentPrep has built a company that invests in the screening skills of its people so they can perform manual screening supported by technology. While other screening companies boast about the size of their databases and the speed of their reports, RentPrep questions the accuracy—and thus usefulness—of their competitors' speedy reports.
Two plan options for screening tenants are RentPrep Background Check for $21 and SmartMove Full Credit Report for $38. The lower-priced plan does not require involvement from the applicant. It verifies Social Security numbers, address history, evictions, bankruptcies, judgments, and liens. For a $6 upcharge, you can add a nationwide criminal and sex offender search. For $11, you can order a credit decision report.
Suited for bulk background checks, the Standard plan at $9.95 checks for Social Security number, date of birth, aliases, addresses, and evictions. The Advanced bulk plan reports on all of that, plus a nationwide criminal search, the U.S. National Sex Offender Registry, and the Global Homeland Security Database. A credit decision report still needs to be added for that information. For landlords with multiple properties, we found RentPrep to be the most aggressive with its volume discounting.
RentPrep reports are supplied in about an hour during normal business hours. SmartMove reports are available within minutes, but that clock doesn't start ticking until applicants verify their identity.
The company uses phone, chat, and email options for customer support and for tenants to initiate a dispute.
Best Value : E-Renter
While E-Renter does not have the lowest price entry point, it is close to the lowest, and the Basic plan’s content includes criminal records, sex offender searches, bankruptcies, liens, and judgments.
Employees are FCRA-certified and bonded.
The site shows state-specific regulations
Criminal and sex offender search included in the entry-level package
No inspection required for landlords to start screening tenants 24/7
Sample reports on website
No option to charge an applicant directly
Credit check does not include the full credit report for the landlord services.
E-Renter was founded in 2003 by two rental property owners who wanted to create a better way for landlords to screen tenants. The company offers outstanding customer service, with consumers generally reaching an FCRA-certified representative by phone.
The Basic plan costs $21.95. In this package, the report verifies the applicant’s Social Security number and does an Office of Foreign Assets Control (OFAC) and Patriot Act search. Even at the introductory level, the report includes evictions, judgments, criminal background, sex offender status, liens, lawsuits, and bankruptcies. E-Renter earned the best value here because there were no hidden fees, and at $21.95, it was the lowest price for a large bundle of searches done in the entry-level tier.
E-Renter’s more comprehensive plans are also less expensive than its competitors. For $34.44, the Premium plan includes everything in the Basic plan plus a FICO score and credit check, but you don’t receive the full credit report.
The Ultimate plan, at $39.44, adds an advanced background check that includes Rent Check Advisor, which is a report that indicates whether you should accept checks from the applicant, as well as validation of the applicant’s name, identity, and addresses. Finally, the Ultimate plan also does a Social Security number name match and a check against the Social Security Death Index.
Their reports are generated online within an hour by scouring various databases across the country. There is no signup fee, no monthly fee, and no minimum orders. Customer Service is available via email or phone, Monday through Saturday.
Most Comprehensive : VeriFirst
VeriFirst earned our vote for being the most comprehensive service because it offers instant reports, integrated complementary services like debt collection and property management systems, simultaneous screening of guarantor and co-applicant, and access to custom acceptance and denial letters.
Employees are FCRA-certified.
Extensive, free, and up-to-date learning library
Integrates with property management systems
Seamless transfer to online debt collection system
No online pricing
Cannot charge an applicant directly
Must call to identify which services are basic and which are premium
No sample reports published to view
Launched in 2004, VeriFirst is accredited by the Professional Background Screening Association with a staff of FCRA-certified screeners to minimize false-positive screenings.
The company does not publish its pricing. Instead, you complete a form indicating what services you are interested in, and it replies with a quote. It does not have minimum orders or monthly charges.
VeriFirst earned high marks for its comprehensiveness because its reports are robust, its technology is fast, its employees verify the data, and its online learning library is the best we found.
Services available within your custom-quoted report include national criminal and sex offender database searches, plus county criminal, statewide criminal, and federal district court searches. You also can request credit history reports, eviction records, and driver's license records. VeriFirst also can verify employment and education, drug testing, and I-9 records, typically used by employers to check citizenship status.
Reports are available instantly except for the local county court records. Those take up to three days because there is some manual extraction involved.
To file a claim or to obtain other customer service help, VeriFirst provides an online form, an email address, and a phone number on its website.
Best Criminal Background Search : BetterNOI
BetterNOI understands the importance of an accurate criminal background check to a landlord, and how to dig for records that do not show up in the online databases on which other companies rely.
County researchers dispatched to courthouses across the country
Customizable acceptance guidelines
No pricing online; must call for quote
No resource library or blog designed to educate landlords
No sample reports to review
Founded in 2001, BetterNOI does not publish pricing on its websites. You can request a demonstration to see the program, discuss your needs with a customer service professional, and then receive your custom quote.
Reports provide detailed credit reporting. Criminal background reporting includes searches as well as staff-confirmed research efforts at county courthouses to capture information that is not reported to the standard databases. Detailed court reports show eviction cases, and BetterNOI packages the information to be easily digested.
Enter the criteria important to you, and BetterNOI will tell you if the applicant passes your acceptance guidelines. The detailed steps it takes in researching criminal records were a level above its competitors, so we gave it the best criminal background search award.
Rounding out its background checks, BetterNOI checks for Social Security number fraud and verifies employment and income history. Applicants can file a claim or inquire through an online form, phone call, or mail.
Best Predictive Model : RealPage
RealPage has put more emphasis on prediction by expanding its scope of research. Artificial Intelligence (AI) plays a big role in RealPage’s model to go beyond just income and credit to determine if an applicant will have trouble paying rent.
E-books, articles, videos, and an online learning system that uses gamification
Use the industry’s only database of actual rent payment history
Reports within seconds on most factors
No pricing online; must call or email for quote
Does not use some traditional metrics such as rent-to-income ratio
Founded in 1998, RealPage has become an innovator in the industry with its predictive algorithm. Not only does it predict the ability to pay but also the applicant’s willingness to pay. RealPage uses data from more than 30 million leases to help landlords find tenants with characteristics that predict good tenant behavior.
As a result, RealPage can screen for willingness to pay, identity verification, rental history, and criminal history. The process takes seconds and can be completed within the time an applicant is touring a property. By using artificial intelligence to help inform a tenant’s willingness to pay, RealPage created the most predictive model.
Since you must call to speak to a representative or fill out an online form to discuss your goals and criteria, there are no pre-packaged plans to view online. Quotes are customized for each client.
When an applicant is denied, a human staff member often verifies the disqualifying issues before sending out a denial message. An applicant can initiate a dispute by phone, mail, fax, or email. If a landlord uses some of RealPage’s complementary tenant management services, such as its renter portal, utility management, automated payments, and renter insurance, there are additional ways for the tenant to communicate and file a dispute.
What Are Tenant Screening Services?
Allowing an unqualified renter to move into your property potentially can result in expensive losses due to damage, failed payments, legal actions, and frequent turnover costs. Tenant screening is a process to verify an applicant’s financial and criminal background to try to predict if they are likely to be a tenant that doesn’t eat up your rental profits. The process ranges from completely digital, scouring online database records, and feeding that research into a report for the landlord, to a mix of digital and human research efforts.
What Does a Tenant Screening Report Mean?
A screening report gives a landlord some insight into how the applicant will perform as a tenant based on history. For example, a landlord can see if an applicant has a history of late rental payments, whether the applicant was evicted, and in many cases, for what cause.
Landlords also can check to see if a prospective tenant makes enough money to comfortably meet the rent payment every month. In some reports, landlords can see if an applicant has a lot of personal loans or student debt, for example, to see whether they earn enough to cover all of their debts and expenses.
How Long Does an Eviction Stay on a Tenant Screening Report?
To comply with the rules of the FCRA, evictions should not be on a tenant screening report after seven years. If an applicant finds out an eviction older than seven years appeared on a newly run report, they have the right to file a dispute.
Landlords want to know about applicants' eviction histories because they may predict future behavior. It's an opportunity for landlords to look into why an eviction happened by reviewing the judgment, asking the applicant, or calling the evicting landlord to get the full story.
How Much Is a Tenant Screening Service?
Basic plans for tenant screening services range from $19 to $25 per applicant screened. You can negotiate a bulk pricing discount with some companies and get that price cut almost in half. At the basic level, you’ll typically get a credit, address, employment history, and a Social Security number verification. Criminal and sex offender research is usually added as an itemized upcharge, or it is bundled into the next higher-priced plan tier.
The premium plans cost around $40 per applicant screen on the higher end. The third pricing model that many screening companies use is the custom quote process. In these cases, a landlord or realtor speaks with a customer service agent to discuss the criteria they want to screen and how many tenants they want to screen per month to negotiate a price.
How We Chose the Best Tenant Screening Services
We reviewed 18 tenant screening companies before choosing our top seven recommendations.
The main factors we considered in our evaluation were FCRA compliance and staff training, company history and reputation, accreditations, pricing plans, what the plans included, and whether there were hidden fees. We considered how fast the screening is done balanced with whether the company solely relies on database algorithms or whether it supplemented technology with human research verification.
Every firm we recommend is compliant with the FCRA regulations. Laws change over the years, so an FCRA-compliant screening company stays abreast of the changes and supports the landlord with a properly worded denial letter to give to an applicant.
Companies that embraced technology for speed and efficiency and verified with human research efforts also scored best in our review. Credit databases often contain mistakes, such as closed loan accounts showing that there is still a debt owed. Some have old information that can’t be considered any longer, such as bankruptcies older than seven years. There are criminal and other legal judgments, especially in county court records, that never make it to the national crime databases. Therefore, companies that made it to our shortlist did not solely rest on database algorithms.