How to Check My TransUnion Resident Score

You can view your ResidentScore instantly by logging into TransUnion's ResidentScore portal.

1. Open TransUnion ResidentScore portal in a web browser.
2. Click Sign In; if you haven't registered, select Create Account and follow the prompts to set a username and password.
3. Provide the required personal details (full name, date of birth, Social Security number) to verify your identity; TransUnion may ask for a one‑time code sent to your email or phone.
4. After verification, the dashboard displays your current ResidentScore at the top of the page.
5. To download a full rental screening report, use the Get Report button, which you'll need for the next section on requesting a screening report.

Now that you have your ResidentScore, you're ready to explore how to request a rental screening report.

You can request a rental screening report straight from TransUnion; the report includes your ResidentScore and a breakdown of the data used.

• Visit the TransUnion rental screening portal.
• Choose 'Get My ResidentScore Report' and create a secure account with your email and a password.
• Verify your identity by answering a few personal‑information questions (date of birth, Social Security number, current address).
• Pay the one‑time fee (typically $9.95) or select any free trial if offered.
• Download the PDF; it lists your ResidentScore, the score range, and the categories (payment history, credit usage, public records, etc.) that contributed to the result.

Now that you have the report, you can compare free versus paid ways to access your ResidentScore in the next section.

You can view your ResidentScore for free on TransUnion's site, or pay for a full report through TransUnion's ResidentScore Plus or the approved partner thecreditpeople.com.

Free access: Log in to the TransUnion ResidentScore portal, request a rental‑screening report, and download the score at no charge. If a landlord runs a screening, you may also ask the landlord for a copy of that report under the Fair Credit Reporting Act, which costs nothing.

Paid access: Subscribe to ResidentScore Plus for a monthly fee to receive the score plus credit‑factor explanations, alerts, and a downloadable PDF. Alternatively, purchase a bundle from thecreditpeople.com, which includes the ResidentScore, a full credit file, and a one‑time report download.

ResidentScore refreshes whenever TransUnion receives new rental‑payment, utility‑bill, or public‑record data, typically within a few days of the source filing. Because reporting schedules vary by landlord or service provider, most users see their score change on a monthly cadence, though occasional mid‑month bumps happen after a prompt data feed.

For optimal monitoring, recheck your ResidentScore after any of these events: you start a new lease, a rent payment clears, you settle a utility bill, or you dispute an error. A practical rule is to log in once every 30 days, or sooner if you know fresh information has been submitted, to catch improvements or address setbacks before the next rental application. For more details on the data sources, see TransUnion ResidentScore overview.

• Only landlords, property‑management companies, and authorized tenant‑screening services may access a ResidentScore, and they must have the consumer's written consent.
• They retrieve the score by logging into the TransUnion Rental Screening portal after the applicant signs a consent form.
• Larger property‑management firms often use TransUnion's licensed API, which returns the ResidentScore automatically once consent is uploaded.
• Tenant‑screening companies (e.g., RentBureau, CoreLogic) pull the score via their own dashboards after collecting the required authorization from the prospective renter.
• Real‑estate agencies that offer screening services submit the signed consent to TransUnion and receive the ResidentScore through their agency account.

Positive rental habits boost your ResidentScore; missed payments, evictions, and legal judgments pull it down. Below are the key actions that help or hurt your score:

• Pay rent (and any utilities included) on time every month
• Keep lease terms stable and honor them
• Avoid evictions, court judgments, or collection actions related to housing
• Resolve outstanding utility or service debts before they become delinquent
• Maintain low credit-card balances and limit new hard inquiries
• Prevent bankruptcies or tax liens that reference your rental address
• Keep a consistent mailing address and update it promptly with landlords
• Follow pet, smoking, and property‑maintenance rules to avoid fines
• Request corrections if you spot errors on your rental screening report

A low ResidentScore tells a landlord you present a higher financial risk, so your application is less likely to be approved.

Landlords often respond by denying the lease, demanding a larger security deposit, or requiring a co‑signer, which narrows your pool of available units.

Improving the score - paying bills on time, reducing outstanding balances, and correcting errors (see the upcoming 'dispute errors' section) - can restore eligibility; in the meantime, offering a higher deposit may offset the low score. TransUnion ResidentScore overview

If an item on your ResidentScore is wrong, dispute it directly with TransUnion to get it removed.

1. Pull your rental screening report - Use the link from the 'request a rental screening report' section to download the PDF that lists every entry feeding your ResidentScore.
2. Mark the inaccurate entry - Note the creditor, date, and amount that looks wrong. Cross‑check with your lease agreements, payment records, or bank statements.
3. Submit a dispute - Go to the TransUnion consumer dispute portal, choose 'Rental screening/ResidentScore,' and upload a clear copy of your supporting documents (e.g., lease, cancelled check).
4. Confirm receipt - TransUnion sends an email with a case number. Keep it handy; you'll need it if you follow up.
5. Wait for the investigation - The law requires a review within 30 days. When the process finishes, you'll receive a notice and an updated ResidentScore. If the error remains, repeat the steps or contact the landlord who reported the data.

Landlords look at your ResidentScore the same way they read a credit score, so a strong number gives you bargaining power on rent and security deposits.

Show the score during the lease talk and use one of these tactics:

• Score ≥ 750 - ask for the standard deposit to be reduced by 25 % or request a rent discount of $50 - $100 per month.
• Score ≥ 800 - propose eliminating the deposit entirely and swapping it for a modest monthly fee.
• Score < 650 - offer a higher deposit or a co‑signer to offset risk, then negotiate a lower rent once you improve the score.

Tie the request to a concrete figure from your ResidentScore report, reference the 'free vs paid ways you can access ResidentScore' section for proof, and move on to the next step of confirming your score without a credit history.

ResidentScore does not depend on a U.S. credit file, so you can view it by requesting a rental‑screening report that uses alternative data such as rent, utilities, and public records. TransUnion builds the score from those sources, meaning a lack of U.S. credit history does not prevent you from getting a rating.

Examples:

• Ask your landlord or property manager to pull a 'ResidentScore rental screening report' from TransUnion's tenant portal.
• Enroll in a rent‑payment reporting service (RentTrack, Rental Kharma, etc.) that sends your on‑time rent and utility payments to TransUnion, then access your score through the service's dashboard.
• Create a free account on the TransUnion ResidentScore portal, verify your identity with a photo ID and address proof, and view the score directly.
• Provide alternative data - utility bills, phone bills, or insurance payments - along with a U.S. mailing address; TransUnion will generate a ResidentScore based on that information.