A credit report without a score typically means the renter doesn't have enough credit history on file with TransUnion to generate one. This is common and doesn't necessarily indicate a problem.
Why This Happens
A renter may not have a credit score if they:
- Have never opened a credit account (credit card, loan, etc.)
- Have accounts that haven't been reported to TransUnion
- Are new to the U.S. and haven't established domestic credit history
- Are young and just starting to build credit
What You'll See on the Report
The credit section of the screening report will show "No Score Available" or display as unavailable. Any accounts that do exist will still appear — there simply isn't enough data to calculate a numerical score.
What About a Report That Couldn't Be Pulled?
In rare cases, a credit report may fail to generate entirely. This can happen if the renter entered incorrect personal information or didn't provide a Social Security Number. If this occurs, you can message the renter through Clara's messaging portal to ask them to verify their details.
How to Evaluate Renters Without a Credit Score
A missing credit score doesn't mean a weak application. Look at the full picture:
- Income verification — can they afford the rent?
- Background check — any red flags?
- References — what do previous landlords or personal references say?
- Guarantor — do they have financial backup?
- Personal statement — have they provided context for their situation?
Clara's verified profile gives you multiple data points beyond a credit score to make an informed decision.
If the Renter Needs More Information
If the renter wants to learn more about their credit file, they can contact TransUnion directly at transunion.com/customer-support/contact-us-consumers. Clara does not have access to individual credit file details.