在 GOOHO.CN，我们与三大信用报告机构之一的 TransUnion 合作，为房东提供方便的在线系统，以进行租户背景审查。这项名为 SmartMove 的服务 在每个背景调查中都包含以下元素。
信用报告： 信用评分和信用记录是寻找可靠租户的房东的重要考虑因素。通过显示付款历史、信用利用率、信用可用性和整体信用评分等因素，信用报告 让房东了解潜在租户的财务可靠性。不良信用报告可能表明租户无法按时付款，而良好的信用报告有助于消除财务担忧。
犯罪记录： 犯罪记录检查 可以帮助房东保护自己、他们拥有的财产以及他们建筑物或附近财产中的其他居民。有暴力犯罪或性犯罪历史的准租户可能会对居民和邻居构成威胁。房东也可能拒绝因持有严重毒品或生产甲基苯丙胺而被定罪的租户，以避免他们的财产被用于这种破坏性和危险的过程。出于这些和其他原因，犯罪历史搜索是任何租户背景调查的重要组成部分。
除了这些筛选之外，租户背景调查可能包括 参考调查 （包括与旧房东的沟通）、 地址历史检查和 别名检查。后两种搜索可以帮助租户确保他们为最相关的地理区域中的正确个人提取背景信息，从而极大地帮助充实犯罪历史筛选过程。
several reasons for a landlord to conduct a background check on every prospective tenant. These checks can help determine whether a tenant will be respectful, safe, trustworthy, and able to make rent payments. They can also help spot red flags that might indicate a “bad tenant,” such as a history of violence that could represent a threat to neighbors or ruinous credit that may reveal a financial inability to make payments.
What does a tenant background check include, and how can this information help a landlord make smart decisions about who to trust?
At backgroundchecks.com, we team up with TransUnion—one of the three major credit reporting bureaus—to offer landlords a convenient online system for tenant background screenings. This service, called SmartMove, includes the following elements in each background check.
Credit Report: Credit scores and credit history are important considerations for landlords seeking reliable tenants. By showing payment history, credit utilization, credit availability, and overall credit score—among other factors—a credit report gives a landlord a sense of a prospective tenant’s financial reliability. A bad credit report might indicate a tenant who won’t be able to make payments on time while a strong credit report helps dispel financial concerns.
Income Insights: In addition to understanding their credit, landlords like to know that their tenants are gainfully employed or have a stable income. An income insights report can show the landlord how much money a prospective tenant makes per month and how large a percentage of that income would be taken up by rent. A lower rent ratio is more manageable for a tenant, which can instill confidence in the landlord. Higher rent ratios may indicate a tenant who is trying to rent outside of their financial means.
Criminal History: Criminal history checks can help landlords protect themselves, the property that they own, and other residents in their building or in nearby properties. A prospective tenant with a history of violent crimes or sexual offenses may pose a threat to residents and neighbors. A landlord might also reject a tenant who has been convicted of serious drug possession or methamphetamine production to avoid a situation in which their property is used for this damaging and dangerous process. For these reasons and others, criminal history searches are an important component of any tenant background check.
Eviction Reports: Rental history is another important component of the tenant background screening process. A tenant who has been evicted from a property in the past may be a risky bet for a landlord. In general, rental history can be a good indicator of the kind of renter a tenant will be. Evictions are black marks on this record.
In addition to these screenings, a tenant background check might include reference checks (including communications with old landlords), address history checks, and alias checks. The latter two searches can help flesh out the criminal history screening process significantly by helping tenants to ensure that they are pulling background information for the correct individual in the most relevant geographic regions.