How the Settl Verification Code Works: A Guide for Renters and Landlords
The short answer
Learn how your Settl verification code works, how to share it with landlords, what they see, and how long it stays valid.
When you complete your Settl verification, you receive a unique Settl verification code — a short alphanumeric code that gives landlords instant, read-only access to your verified tenant profile. Here's exactly how it works, and why it matters.
What Is a Settl Verification Code?
A Settl verification code is a unique identifier tied to your Settl Verified Passport — your portable tenant verification profile. It looks something like SETTL-A1B2C3. When a landlord enters this code on the Settl verification page, they instantly see a professional summary of your verified credentials. No login required. No personal financial data exposed — only the verified summary.
Under Colorado's HB25-1236 / Portable Tenant Screening Report (PTSR) law, landlords are required to accept a qualifying portable report like your Settl Verified Passport in lieu of running their own screening. That means your $99 Settl Verified Passport can be reused at every property you apply to — at no extra cost.
What Landlords See When They Enter Your Code
Landlords visit settlhome.com/verify, enter your code, and immediately see a clean, professional verification report with up to 8 verified data layers:
- Biometric identity — government ID confirmed via liveness check (Didit)
- Verified rent ceiling — the max monthly rent your income supports (e.g., "Verified for rent up to $2,100/mo"), pulled directly from your bank via Plaid
- Bank income consistency — how steady your income has been over the past year
- Rent payment history — recurring rent-sized outgoing payments from your bank data
- Cash reserves — shown as a month band (e.g., "3–5 months") — never an exact balance
- Payroll verification — employer name, employment status, and tenure via Argyle
- Landlord references — ratings from past landlords who have verified their identity
- Credit & background — TransUnion credit check (VantageScore 4.0) + criminal background (CIC) + eviction history (CIC, 7-year FCRA) — all included
Importantly, landlords cannot see your raw bank statements, exact account balance, individual transactions, Social Security Number, or exact income figure.
How to Get Your Settl Verified Passport
- Complete the Settl application at settlhome.com/apply. It takes about 5 minutes.
- Verify your identity with a government-issued photo ID (passport or driver's license) and a biometric selfie.
- Connect your income via Plaid bank link for bank-verified income and rent history.
- Connect payroll via Argyle for employer name and tenure (optional but adds credibility).
- Complete payment — one flat fee of $99. Apply anywhere. Pay once.
- Receive your Settl Verified Passport and verification code — typically within minutes of payment.
How to Share Your Verification Code With a Landlord
You can share your verification code in several ways:
- By message: Copy your code and send it via email, text, or WhatsApp.
- By link: Share your profile URL (
settlhome.com/verify/[your-code]) directly. - In your application: Include the code in your rental application or cover letter.
- On your renter resume: Some renters add the verification code to a one-page renter resume for competitive markets.
How Long Is a Settl Verification Code Valid?
Your Settl Verified Passport is valid for 30 days from the date it was issued. During this window, you can share the code with as many landlords as you want — there is no limit on how many properties you can apply to. After 30 days, you can renew at a discounted rate.
This 30-day window is designed to match a typical apartment search. Apply anywhere. Pay once.
Is My Verification Code Private?
Yes. Your verification code is only shared when you choose to share it. No landlord can access your profile without your code. You control who sees your verification report at all times.
If you believe your code was shared without your consent, contact [email protected] and we will issue a replacement immediately.
What Does It Cost Landlords?
Nothing. Landlords review your Settl Verified Passport for free — no account required, no subscription, no per-screening fee. Settl is funded entirely by tenants who want a portable, reusable verification credential. "Straight from the source." The data comes directly from banks, payroll systems, and verified landlord references — not from documents you uploaded.
Ready to Get Your Settl Verified Passport?
Get verified in minutes for $99. Your Settl Verified Passport is ready to share as soon as you complete the process. Start your application here →
Settl Editorial
Settl Editorial
Settl helps renters stand out in competitive markets through verified identity, income, and rental verifications. Trusted by landlords across the US.
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