Credit & Background Reports
Access TransUnion reports through YGL, from credit-only reports to broader credit, background and housing record packages.
Who pulls · What’s included · What it costs
They authorize their own report pull, then share with you. No separate business approval to enable the service. Who pays for the report depends on the applicable workflow and is shown before purchase.
You obtain and retain their authorization. Business approval and office inspection required.
Both options use a soft pull.
Prices per person, per report or package. Setup charges apply to the TransUnion credit report service.
Choose your report option
| Compare | ShareAble® by TransUnion $30 or $35 per package | TransUnion Credit Report + FICO® Score $5 or $8 per report |
|---|---|---|
| Who pulls the reports | The applicant or guarantor pulls their own reports, then shares with you | An authorized YGL user pulls for the applicant or guarantor |
| How authorization is handled | The applicant or guarantor accepts the terms and authorizes their own report pull before sharing | The YGL user obtains the required authorization from the applicant or guarantor before pulling and retains a record |
| Credit pull type | Soft pull | Soft pull |
| Price per person | $30 for credit, ResidentScore, and background; $35 to include housing records | $5 for the credit report only; $8 with FICO® Score |
| Credit report | Included in both packages | Included with either option |
| Credit score | ResidentScore included | FICO® Score with the $8 report |
| Background report | Included in both packages | Not available |
| Housing records report | Optional: choose the $35 package | Not available |
| Setup to enable the service | Provide your rental application forms; no separate business approval or office inspection | Business paperwork, approval, and an office inspection are required. View setup requirements |
Who pays for the report Payment responsibility depends on the workflow. YGL charges the person or account identified as the payer before purchase. An applicant or guarantor is charged only when they are the identified payer and the charge is permitted under applicable law.
Report scope, coverage, and available records can vary based on the applicant’s location, available data, and applicable law.
ShareAble® uses YGL’s application feature. The $5/$8 credit report service can be used with an application or independently. With an application, both options start with the same two steps:
Your office makes rental decisions. YGL does not approve or deny applicants or provide legal advice. Your office is responsible for lawful report use, required authorization and notices, protecting report information, and following applicable consumer-reporting and fair-housing laws.
Credit & Background Reports
