Is the pre-qualification really free?

Yes. Pre-qualification is completely free with no score impact — we run a soft pull credit check. You only pay if you choose to get a full verification report ($99 for the Settl Verified Passport).

Do you check my credit score?

Yes, a soft pull only. The Settl Verified Passport ($99) includes a VantageScore 4.0 soft pull via TransUnion. A soft pull has zero impact on your credit score. Your SSN is used internally for this check but is never shared with landlords.

How long does verification take?

Most applicants complete the full verification in under 5 minutes. Your Settl Verified Passport is generated instantly after payment.

How long is my Settl Verified Passport valid?

Your Settl Verified Passport is valid for 30 days from the date it was generated. You can share your verification code with unlimited landlords during that period.

Can I renew my Settl Verified Passport after 30 days?

Yes. If your 30-day validity period expires, you can renew your Settl Verified Passport for $39. Your verification code stays the same. No re-verification needed.

What does the Settl Verified Passport include?

The Settl Verified Passport ($99) is the only paid tier. It includes biometric identity verification (KYC via Didit), bank-verified income ceiling (Plaid), employer payroll + tenure + paystubs (Argyle), rent payment history (Plaid), VantageScore 4.0 credit check (TransUnion soft pull, zero score impact), criminal + eviction background check (national + county-level courts), optional landlord references, and a tenant-controlled Debt-to-Income (DTI) ratio. Valid for 30 days. Valid 30 days at any property.

Step 1 of 5. Free Pre-Qualification

~5 min left

Identity~60 sec

Payment

Bank & Payroll

Background Check

Complete

Pre-qualification

Get pre-qualified
in 60 seconds.

No hard inquiry. No commitment. Find out if you qualify for your target rent, instantly.

✓ Soft pull only✓ Fair Housing compliant

SSN never shared with landlordsNo hard pullBank data never sharedExact income never disclosed

Check your eligibility

Step 1 of 4

Pre-Qualification

Takes about 60 seconds. Soft pull only.

Already applied?

Enter your email and we'll resend your application status link.

How it works

From pre-qualified to fully verified.

Pre-qualify

60 seconds. Tell us your rent target and income. Instant eligibility check. Free.

Free60 sec

Connect bank

Link your bank via Plaid. We calculate your verified rent ceiling from real deposits. Read-only access.

Bank-gradeRead-only

Verify identity

Biometric ID check via Didit. Government ID + liveness match. Takes 2 minutes.

Biometric2 min

Add employment

Your Passport includes a soft credit check + criminal + eviction search — all automatic. Optionally connect Argyle payroll for employment verification.

Optional90 sec

Compare the cost

Stop paying per application.

Every time you apply, landlords charge $40–$60 for a screening fee. Settl replaces all of that with one $99 report you share everywhere.

How many apartments are you applying to?

5 apps × $50 screening fee$250

Settl Verified Passport (share with all)$99

You save$151

One Passport. Share it with every landlord you apply to — $99 once, no matter how many. Get verified

Your tenant passport

One verification. Shareable everywhere.

✓Valid for 30 days · Unlimited shares
✓No repeat applications per landlord
✓Landlord sees everything in one link
✓No FCRA exposure for landlords
✓Works with any landlord, no signup needed

Sample Passport

SETTL-XXXXX-XXXXX

Identity✓ Confirmed

Income ceiling✓ $2,400/mo

Employment✓ 14 months

Rent history✓ 12 months

Credit (soft pull)✓ VantageScore 4.0

Criminal check✓ Clear

Eviction check✓ No filings

DTI ratio✓ 22% (Excellent)

Cash reserves✓ 3–5 months

Valid for 30 days · Unlimited shares

Already applied?

Already applied? Find your report.

Enter your email to retrieve your SETTL- code and current status.

Trust & security

Built on trust. Designed for transparency.

Plaid

Bank income verified

Argyle

Payroll + employment

Didit

Biometric ID check

TransUnion

Soft credit pull

CIC

Criminal + eviction

100%

Privacy guaranteed

Questions

Is this really free?

Yes. Pre-qualification is always free. You only pay if you choose to generate a Settl Verified Passport ($99).

Will this affect my credit?

No hard pull, ever. The Settl Verified Passport includes a VantageScore 4.0 soft pull via TransUnion, no score impact, never visible to other lenders. The free pre-qualification step has no credit check at all.

Is my data safe?

Yes. All data is encrypted with 256-bit SSL. Bank linking is read-only via Plaid (same tech as Venmo). We never sell your data.

Free

Pre-qualification, no card

Soft pull

Zero credit score impact

60 sec

Pre-qual step only

256-bit

SSL encryption

30 days

Passport validity

$39

Renewal after 30 days

Get started

Ready to get verified?

One verification. Share it everywhere. No repeat applications.

Start Pre-Qualification →

From $99 · Under 5 minutes · Valid 30 days

One report. Any landlord. Valid 30 days.

Apply to as many properties as you want. Update your settings before each new application. How it works →

Get pre-qualifiedin 60 seconds.