Common Credit Data Questions and Answers

1. Q: How does ScreeningWorks determine the "Credit Evaluation" level?
A: ScreeningWorks is powered by RentGrow, Inc., a national tenant screening company. RentGrow, Inc. has developed an easy-to-use and understand credit evaluation scale based on over 20 years of experience in evaluating credit for millions of rental tenants. An applicant's "Credit Evaluation Risk" falls in a scale with ratings: Minimal, Elevated, or Serious Credit Risk. Factors include: How recent was the credit problem? What type of credit problem was it? How much money was involved? And, for late payments, how late was it? This customized scoring system offers the best way to predict how they will perform as tenants at your property.

2. Q: Are there components of the applicant's credit report that ScreeningWorks does NOT evaluate?
A: Yes. There are some credit items that we believe are not good predictors of rental payment behavior. The following items are filtered out of each applicant's credit report when determining their level of credit risk:

  • Medical Debt.
  • Credit problems over 3 years old.
  • Credit problems under $1.
  • Closed bankruptcies over 6 months old.

3. Q: Do I receive the full credit report or credit score?
A: No; in compliance with the National Credit Bureaus' consumer information protection requirements, the ScreeningWorks service is unable to provide a full credit report or a credit score. In its place, ScreeningWorks has developed an easy-to-use and understand credit evaluation scale based on RentGrow's over 20 years of experience evaluating credit for millions of rental tenants.

4. Q: How can I get more detailed information about my applicant's credit history?
A: While ScreeningWorks is unable to provide small landlords with a full credit report or a FICO credit score, the landlord can ask the tenant to provide this information himself. All consumers are able to pull their own free credit report every year from each of the 3 credit bureaus. A FICO score does cost money, however. We recommend

5. Q: What if an applicant has a question about their credit evaluation?
A: If your applicant feels that there is incorrect/incomplete information regarding their credit evaluation, they should obtain a copy of their credit report and dispute any errant information through the credit bureau (contact info for the three National Credit Bureaus is listed below). We also recommend

National Credit Bureaus TransUnion


Report Issues of Potential Fraud 800-680-7289 800-525-6285 888-397-3742
Request Issues of Errors


800-685-1111 888-397-3742

RentGrow, Inc. serves as the credit reporting agency.
ScreeningWorks, a Service of RentGrow, Inc.
400 5th Avenue, STE 120
Waltham, MA 02451-8706.
T: 888-401-7999