Agent
Experian vs Equifax vs TransUnion: 2026 Guide
Experian, Equifax, and TransUnion all supply credit reports for screening applicants, and no one bureau is more accurate than another. The differences are in format and scoring. Experian shows a month-by-month account grid and collects landlord-reported rent payments through RentBureau. Equifax splits open and closed accounts, and publishes its own educational score on a 280–850 range that lenders do not use. TransUnion carries the most detailed employment data, and the score it gives consumers is a VantageScore 3.0, not a FICO score. None of the general-purpose models is built for rental risk, which is why RentSpree screening reports include TransUnion's ResidentScore, a 350–850 score built for tenant screening, alongside a background report and eviction records. Screening is free for landlords and rental agents when the applicant pays the application fee.