Settl vs MyRental (CoreLogic): Which Tenant Screening Is Better?
The short answer
Compare Settl vs MyRental by CoreLogic for tenant screening. MyRental uses credit bureau data, criminal, and eviction records. Settl uses bank-direct income via Plaid with biometric identity.
MyRental, operated by CoreLogic, is one of the most established names in tenant screening. CoreLogic maintains extensive rental data databases built up over decades. But being established does not mean being fraud-resistant — and the question is not how much bureau data a tool compiles, but whether that data accurately reflects a tenant's current ability to pay rent.
How MyRental Works
MyRental can be landlord-ordered or tenant-paid at approximately $19–$39 per screening. Reports include credit, eviction history, criminal background, address history, and rental payment history from CoreLogic's self-reporting landlord database. Per-application. Not portable.
How Settl Works
Settl is renter-owned and landlord-agnostic. For $99, get a Settl Verified Passport — a portable verified profile with 10 data layers: bank income via Plaid, biometric identity, rent payment history, payroll verification via Argyle, landlord references, and more. One portable profile valid for 30 days with any landlord.
Bureau Data vs Bank Data
MyRental compiles data from credit bureaus, court records, and CoreLogic's rental database — third-party sources that can be stale or incomplete. CoreLogic rental payment history depends on landlords voluntarily reporting data — many small landlords do not participate, creating gaps. Settl data comes directly from your bank via Plaid and your payroll system via Argyle. Income, rent payments, and cash reserves from live records — not a compiled database. 84% of landlords regularly see fake pay stubs (NMHC 2024). Bureau data cannot catch fabricated documents. Bank and payroll data bypasses the problem entirely.
Criminal Records and Legal Exposure
MyRental includes criminal background and eviction history — Fair Housing Act liability in dozens of cities. As an FCRA consumer report, landlords must provide adverse action notices, written authorization, dispute rights. Each violation: $100–$1,000 in statutory damages. Settl includes FCRA-compliant criminal background checks (national + county courts via CIC, state lookbacks enforced, no arrests shown) and 7-year eviction history (CIC, dismissed filings suppressed) — with FCRA compliance handled for you.
PTSR Compliance: MyRental Falls Short
Under Colorado's HB25-1236 (Portable Tenant Screening Report law), landlords must accept a portable screening report from the applicant rather than charging for a new screening. MyRental reports are per-application and not portable. Settl Verified Passport is designed for PTSR compliance — one report, any landlord, renter-controlled.
Landlord References: Invisible to MyRental
Past landlords can rate a tenant's on-time payment, property care, and communication directly in Settl. These verified landlord references are included in every Settl Verified Passport — a qualitative layer no CoreLogic database can replicate.
Cash Reserves: Invisible to MyRental
No bureau-based tool can show savings. A tenant with 3–5 months of reserves can sustain tenancy through disruptions. Settl Verified Passport captures this from live bank data — the signal traditional screening consistently misses.
Pricing
- Settl Verified Passport: $99 — 10 verified data layers: bank income + biometric identity + rent history + payroll verification + landlord references + more. Renter-owned. 30-day validity. Apply anywhere. Pay once.
- MyRental: ~$19–$39 per screening — credit, eviction, criminal, address, rental history (CoreLogic). Not portable.
Settl Team
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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