Tenant Screening, Employment Background Checks, Tenant Credit Reports By E-Renter USA Ltd
Tenant Screening: Home home
Tenant Screening Services services
Tenant Screening and Background Searches Tenant Screening
Property Managers Business Commercial Accounts
Pre-Employment Screening & Employment Background Checks Pre-employment
Members Login Frequently Asked Questions
Members Login members login
Sign in to E-Renter
Click to verify BBB accreditation and to see a BBB report.

 

 
HACKER SAFE certified sites prevent over 99.9% of hacker crime.
 
Tenant Screening,
Rental Credit Check,
Background Check Services
by E-Renter USA Ltd.

Before you end up with late rent payments or evicting tenants, use our service to run a credit check and background report on your potential tenant!

A background check will help you make more informed decisions when screening tenants.

Untitled Document
We offer discounted pricing if
you order more than ten
reports per month. Click here
to learn how to get 24/7
access to our full range of
services including: credit
reports, criminal records,
evictions records, FCRA
compliant declination letters,
online submission to
collections, automated
decisioning, and how to
accept a web based
application from your own
site.
Tenant Screening: Home Download Forms Tenant Screening: Contact Us Tenant Screering: Sitemap Tenant Screening: FAQ  

Tenant Screening, Rental Credit Check & Background Check Services

Tenant Screening and Background Check Services - 24/7 online direct access to consumer and business credit files as well as numerous other databases related to Credit, Criminal, and Eviction Records.
Tenant Screening Online Tenant Screening Tenant Background Checks
Tenant Screening Services
Tenant Screening at your fingertips, Background reports and Credit checks in one hour during business hours and same day service after hours and on the weekends.
Tenant Screening and Background Check Services by E-Renter USA Ltd
Credit Checks, Background reports, Tenant Screening needs online! Fast, no membership fees, and no Onsite inspections for the individual Landlords!.

Trans Union
Credit Report Guide | For Commercial Accounts Full Credit Reports are no longer available to individual landlords.
 
Personal Information
  This portion provides the consumers personal identification and address information.
   
Field Description
Name Consumer's Name
Date of Birth Consumer's Date of Birth
SSN Consumer's Social Security Number
Phone Consumer's Phone Number
On File Since Date since consumer has been on file at the bureau
Current Address Consumer's Current Address
Previous Address 1 Consumer's Previous Address
Previous Address 2 Consumer's Previous Address
Reported On Displays the date the address was reported on consumer's report
 
Employment Information
  This portion provides current and previous employment information on the consumer.
   
Field Description
Current Employment The consumer's present job.
Company Name The name of the organization that currently employs the consumer.
Date Reported The date information was last submitted to the credit bureau.
 
Summary Information
. This portion provides a summary of the information supplied on the report
   
Field Description
Total # of Trades The total number of trade lines contained in the report.
Current Trades The total number of current trade lines contained in the report. This provides an on-going historical and current record of the consumer’s buying and payment activities.
Neg. Trades The total number of trade lines that are reporting negative information.
Hist. Neg. Trades The number of trade lines that have any previous negative information.
Current Rating 30 The total number of trade lines currently reporting 30-59 days past due.
Current Rating 60 The total number of trade lines currently reporting 60- 89 days past due.
Current Rating 90+ The total number of trade lines currently reporting 90+ days past due.
Inquiries The total number of companies who have accessed the consumer’s credit file.
Public Records The total number of public records contained in the report. A public record is information obtained from county, state and federal courts which provides notification of any Civil Judgments or Tax liens reported over 7 years as well as any Bankruptciesthe consumer has filed for during the past 10 years. Also provides date reported, court location, plaintiff and the attorney involved in the case.
Collections The total number of collection accounts contained in the report. Collections are consumer accounts that have been transferred to a professional debt-collecting firm due to non-payment. Collection information includes date reported, name of the collection agency, original dollar amount, current balanced owed, and an explanation of the current collection account status.
Accounts Balance The total balance on all trade lines reported.
Monthly Payment The whole dollar amount of total monthly payments reported.
Credit Limit The whole dollar amount of the consumer’s total credit limit contained in the report.
High Credit The whole dollar amount of either the total highest amount ever owed or the total original balance owed contained in the report.
Available Percentage The percent of credit available to the consumer in revolving, check credit, or open accounts. If the account type is installment, mortgage, closed with balance, or totals, this field is blank.
 
Scorecard Information
  This portion contains information on Scorecards. Scorecards analyze information contained within the report. They assign a score based on the risk level. The score ranges from 350-850, the higher the better.
   
Public Record Information
  This portion provides detailed information on public record information, and includes collections, judgments or tax liens.
   
Trade Line Information
  This portion contains all open and closed credit accounts.
   
Field Description
Firm Name/ID The company which extended credit to the individual.
Account Number Account Number
KOB (Kind of Bank) The type of account
Status Comments on the Account
Opened The date the  account was opened
Reported The last date the information was updated by the credit grantor.

Acct. Type
(Account Type)

The type of account of account.  For example a revolving or installment account.
Credit Limit The credit limit on the account.
High Credit The highest the balance the account has had.
Chargeoff The balance of the account that was unpaid and charged off by the credit grantor or the amount of money the credit grantor wrote off as uncollectible.
Lst. Payment
(Last Payment) 		The last payment that the credit grantor received from the consumer.
Balance The current amount of owed on the account.
Past Due The current amount of money that is overdue.
Orig. Amt.
(Original amount) 		The origina amount borrowed on an installment account.
Closed Ind              (Closed Indicator) On closed accounts this will tell you if the account was charged off or closed normally.
MoPmnt                 (Monthly Payment) The minimum amount due.
MoRep                        (Month Represented) The number of months the account has been opened as reported by the company.
Date Closed The date the account was closed.
Owner Indicated if the account is individual, joint, or authorized signer.
30 60 90 The amount of time the account has been paid late; 30, 60, or 90 days.
  The payment pattern for each month the account has been opened.
Pattern
1 On time
2 30 to 59 days late
3 60 to 89 days late
4 90 to 119 days late
5 120 + days late
X Nothing to Report
- No Information Given
   
 
Inquiries
  This portion contains all the inquiries made into this individual’s credit.
   
Field Description
Date The date the inquiry occurred.
Subscriber Name The name of the company pulling the credit report.
Subscriber #
(Subscriber Number)		 The subscriber number of the company pulling the credit report.
Market The market code number indicating the type of business that pulled the credit report.
Submarket The state that the company is in.
KOB 
(Kind of Business)		 The kind of industry the company is in.
 
Warning Messages
  This portion includes warnings and all other messages made by the consumer, credit grantor, or credit bureau.
   
Field Description
FICO Risk Score, Classic (04) - 4-Default product delivered This indicates the credit score was delivered.
Score Derogatory Alert Flag:  Inquiries impacted the credit score This indicates if the amount of inquiries impacted the credit score.
Current Address ALERT (house number mismatch): Mismatch - input does not match file The address entered is slightly different than the address entered previously.  For example transposed numbers, misspellings, or street type differences.
Consumer Statement Indicator: Consumer statement present on file The consumer has added a statement to their credit report.
Consumer statement (Initial Fraud Alert): #HK#IFCRA-INITIAL FRAUD ALERT: ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO This is the statement that the consumer has made on the report.
Credit data not suppressed The report is complete and no information has been withheld.
 
Sample Credit Report
 

TRANS UNION Credit Profile Report
TRANS UNION
2 BALDWIN PLACE
P.O BOX 1000
CHESTER, PA 19022
800-888-4213
Date Reported: 7/10/2004
 
Personal Information
 
Name: John Doe Date of Birth: 10/31/1966
SSN: 012-34-5678 Phone: 555-1212
On File Since: 5/1/1986
 
Address: 1001 Main St.
  Where Ever WI 52793
Reported on : 7/1/2002
 
Address: 999 Cranberry Ct.
  Wrong Turn LA 98765
Reported on : 5/1/2002
 
 
Employment Information
 
Company Name: Susan’s Snack Shop Date Hired: Occupation:
    Date Reported: Income:
      Separation Date:
 
Company Name: Wrong Turn Police Department Date Hired: Occupation:
    Date Reported: Income:
      Separation Date:
 
 
Report Summary
 
Total # of Trades 3 30 Days: 0 Accounts Balance: $3,891
Current Trades: 1 60 Days: 0 Mnthly Payment: $20
Unrated Trades: 0 90+ Days: 0 Credit Limit: $5,000
Curr Neg Trades: 2 Inquiries: 8 High Credit: $7,701
Hist Neg Trades: 0 Inq. last 6 mnths: 4 Total Real Est. Bal.: N/A
No. of Accts Paid: 0 Public Records: 2 Total Rev. Bal.: $2,363
Curr Past Due: 2 Collections: 2 Tot. Installment Bal.: $1,528
Amount Past Due: $1,150 Oldest Trade: 12/1/1996 Available %: 22
 
Scorecards
 
Scorecard: FICO Risk Score, Classic (4)
Score: 592
Reasons: (038) Serious delinquency, and public record or collection filed
 
 
  (013) Time since delinquency is too recent or unknown
 
 
  (020) Length of time since derogatory public record or collection is too short
 
 
  (018) Number of accounts with delinquency
 
 
Collections
 
Member Number Industry Code Date Reported Amount
Creditor Account Number Date Verified Balance
Status   Date Closed  
Narratives      
 
1234A000/ACME CRDT Collection services 4/1/2005 $6000
TEST 123456 12/1/2005 $6000
(9B)Collection account -  
Placed for collection
 
 
4321B100/ABC CRDT Collection services 12/1/2005 $475
TEST 654321 7/1/2005 $530
(9B)Collection account -  
Placed for collection
 
 
Public Records
 
Court Name/Number Date Reported Member Number Amount
Record Type Date Paid Plaintiff Assets
Court Type ACC Designator Attorney Liability
Public Record Disposition Docket Industry  
 
  12/1/2005 12345678 $1,500
Civil judgement - - -
  Individual account - -
  1122334455 Miscellaneous and public record 
 
 
  12/1/2005 87654321 $802
Civil judgement - - -
Individual account - -
  5544332211 Miscellaneous and public record
 
 
Trade Lines
 
Firm Name/ID Opened Credit Limit Balance MoPmnt 30 60 90
Account Number Reported High Credit Past Due MoRep Pattern
KOB Acct. Type Chargeoff Orig. Amt. Date Closed  
Status Lst. Paymnt Closed Ind Owner Terms
 
 
ACME MTR CRDT/F 897HZ234 12/1/2002 - $1,528 - - - -
976415 4/1/2006 $2,559 $900 - -
Finance, Installment - - -  
(9B)Collection account -   Individual account -
Placed for collection
 
 
GOT GAS/B 123VY001 12/1/1996 - $250 - - - -
97641 3/1/2005 $250 $250 - -
Bank Revolving - - -  
(9B)Collection account - - Individual account -
Placed for collection
 
 
WAMU/B 523XX082 5/1/2002 $5,000 $2,113 $20 0 0 0
5592873 5/31/2006 $4,892 $0 23 1111111111111
Banks Revolving   - - 1111111111
(01)Paid or paying as agreed 5/6/2006   Individual account MIN
 
 
 
Inquiries
 
Date Subscriber Name Subscriber# Amount Market Submarket KOB
7/10/2006 E-RENTER USA Z05316813   10 WA Miscellaneous and public record
3/4/2006 WELLS FARGO Z00006167   17 NV Miscellaneous and public record
1/20/2006 CNTRYWD FSL F02135385   12 LA Finance, personal
11/14/2005 AMER HONDA F F00248080   16 AM Finance, personal
4/5/2005 CREDCO Z08256844   12 CO Miscellaneous and public record
2/10/2005 DOMESTIC BK B01403252   14 RI Banks and S and Ls
4/20/2004 BRADFORD AUTO A01201025   14 HV Automotive
7/7/2004 BK OF AMER N00012892   17 VH Credit card and travel/entertainment companies
 
Warning Messages
 
FICO Risk Score, Classic (04) - 4-Default product delivered /
Score Derogatory Alert Flag:  Inquiries impacted the credit score
Current Address ALERT (house number mismatch): Mismatch - input does not match file
Consumer Statement Indicator: Consumer statement present on file
Consumer statement (Initial Fraud Alert):#HK#IFCRA-INITIAL FRAUD ALERT:ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO
UNT. CONTACT CONSUMER AT (999) 555-1234
Credit data not suppressed