What Credit Bureau Does RentSpree Use?

RentSpree runs its credit check through TransUnion, submitting a soft inquiry that pulls your TransUnion score and key data points without contacting Experian or Equifax; if a mismatch forces a secondary lookup, the issue is covered in the later troubleshooting sections (RentSpree help center).

RentSpree picks TransUnion because it supplies the most complete and consistent rental‑history records, includes the specific landlord‑verification fields RentSpree's algorithm relies on, and offers a nationwide soft‑pull that doesn't affect your credit score.

Because of this choice, the next sections show how to grab your free TransUnion report, identify exactly what RentSpree pulls, and correct any errors before the soft inquiry.

Grab your free TransUnion report now before you start a RentSpree application. The report shows exactly what RentSpree will read, letting you fix mistakes in advance.

1. Visit the official Annual Credit Report website and choose the TransUnion option.
2. Complete the identity questionnaire; answer every question accurately to avoid denial.
3. Download the PDF as soon as it's generated and store it in a secure folder.
4. Open the report and check the personal details, address history, and any derogatory marks.
5. If you spot an error, start a dispute directly through the TransUnion portal before applying to RentSpree.
6. Keep the cleared report handy; RentSpree will pull the same data during its soft inquiry.

RentSpree pulls a handful of key data points from your TransUnion credit file.

• Your TransUnion credit score (soft‑pull, used for the RentSpree rating)
• Outstanding balances on revolving and installment accounts
• Payment history for the past 24‑36 months (on‑time vs. late)
• Public records such as bankruptcies, tax liens, and civil judgments
• Collection accounts and charged‑off debts
• Recent credit inquiries (to gauge recent activity) RentSpree credit‑check details

RentSpree runs a TransUnion soft inquiry, so your credit score stays untouched. The platform pulls only the information needed for tenancy screening and never triggers a hard pull unless a landlord explicitly requests a full credit report.

• Soft pull uses TransUnion data only
• No score impact for the applicant
• Full report (hard pull) occurs only by landlord request
• Inquiry returns payment history, evictions, and public records
• Results appear within minutes of submission

RentSpree bases its credit decision on your TransUnion file, so any mistake there can block a rental win. Clear the error fast by tackling it directly with TransUnion.

1. Pull your free TransUnion report - visit TransUnion's free credit report page and download the latest file.
2. Spot the inaccuracy - look for wrong personal info, outdated accounts, or a mis‑reported delinquency that RentSpree would flag.
3. File an online dispute - log into TransUnion's dispute portal, select the item, explain the error, and attach supporting docs (bank statements, credit‑card statements, or a letter from the creditor).
4. Mark the dispute as urgent - choose 'expedited review' if available; TransUnion must investigate within 30 days, often confirming correction in under two weeks.
5. Refresh RentSpree - once the dispute is resolved, download the updated report and re‑upload it to RentSpree or let the system pull the new data automatically.

Acting quickly on these steps usually erases the error before RentSpree finalizes the background check, giving you the edge you need.

Crush your RentSpree score by targeting the three TransUnion factors that matter most. These quick actions take under an hour and show up on the soft pull RentSpree uses.

• Pay down revolving balances so your credit utilization falls below 30 % before RentSpree runs the TransUnion check; lower utilization lifts the score instantly.
• Dispute any outdated or inaccurate negatives on your TransUnion report now; a fast online dispute often removes errors before the soft pull (see how to file a TransUnion dispute).
• Open a small, on‑time credit line such as a secured card at least 30 days before applying; the new positive payment history boosts the score without harming the soft inquiry.

When TransUnion drags your RentSpree score while Experian stays sky‑high, the cure lies in pruning the TransUnion file. Start by pulling the free TransUnion report, flagging stale inquiries, and disputing any inaccuracies - each correction can lift the rent‑screening number by 10 to 20 points. Adding a secured credit card or a small installment loan to the TransUnion history injects positive activity that Experian already reflects. Learn more about fixing TransUnion errors if a dispute feels daunting.

Instead of waiting for the next rent application, build a buffer by keeping credit utilization under 30 % and paying all revolving balances on time; TransUnion reacts faster to these habits than Experian. If Experian already shows a healthy score, consider using that report for other credit checks while you continue polishing the TransUnion file. Maintaining a solid payment streak across both bureaus ensures RentSpree sees the best possible picture, regardless of which report it pulls.

If you have no TransUnion file, you can still clear RentSpree by creating a record or using alternatives.

What to do

• Open a secured credit card or a retail‑store card; the issuer reports the new account to TransUnion, creating a baseline file within 30 days.
• Enroll in a rent‑reporting service (e.g., RentReporter rental payment reporting) that sends your on‑time rent history to TransUnion, instantly generating a consumer file.
• Add utility or phone bills to a credit‑building program such as Experian Boost; the data also reaches TransUnion and builds a file.
• Ask a trusted friend or family member with a healthy TransUnion profile to add you as an authorized user; the secondary line appears on your report.
• Request a 'hard pull' from a lender (auto loan, personal loan, or small‑balance credit line); the inquiry creates a file that RentSpree can read.

Choose the fastest option, secure the new TransUnion entry, then run your RentSpree application with confidence.

RentSpree pulls a hard inquiry exclusively from TransUnion; when the bureau cannot supply a report, the application stalls and the user sees an 'unable to retrieve credit' error. This mismatch typically occurs if the applicant has no TransUnion file, a frozen file, or a file flagged for fraud review.

For example, a renter whose credit history lives only with Experian receives a 'no data found' notice the moment RentSpree submits the request. A borrower with a recent address change not yet reflected in TransUnion's database may trigger a mismatched identifier error, forcing the platform to reject the pull. Applicants whose TransUnion file is under a legal hold see a hard‑pull block message, halting the entire screening process. As highlighted in the earlier TransUnion pull overview, these scenarios all stem from the single‑bureau dependency.