What Landlords See on a Settl Report in 2026
The short answer
What does a landlord see when they view your Settl report? Full breakdown including income consistency indicator, rent payment history, verified rent ceiling, and identity verification.
What Landlords See on a Settl Verified Passport Report in 2026
When you share your Settl verification code with a landlord, what do they actually see?
This is the most common question from tenants preparing their applications. Here is a complete breakdown of every signal a landlord sees, what each one means, and what is permanently kept private.
The Settl Verified Passport: One Tier, Eight Layers
In 2026, Settl operates with a single product: the Settl Verified Passport, priced at a flat $99. There are no tiers, no upgrades, and no per-property fees. Apply anywhere. Pay once.
The Passport is built from up to eight verified data layers — each one sourced directly from an authoritative system ("Straight from the source"), not from documents you upload. Landlords can review your Passport for free, with no subscription or screening fee required on their end.
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. This means your single $99 Passport is valid at every property you apply to during its 30-day window.
Layer 1: Biometric Identity
Landlords see confirmation that your government-issued photo ID was verified alongside a real-time biometric liveness check, powered by Didit. This tells them:
- The person who applied is a real human (liveness check passed)
- The ID matches your face
- There is no identity fraud or document spoofing
This is the foundation that makes all other verification layers trustworthy.
Layer 2: Verified Rent Ceiling
Instead of seeing your exact income, landlords see the maximum monthly rent your bank-verified income supports — calculated at the standard 3x income threshold.
Example: If your average monthly deposits over the past 3 months are $6,300, your verified rent ceiling is shown as "Verified for rent up to $2,100/mo."
Your exact income is never disclosed. This privacy-preserving format gives landlords the signal they need (can this person afford this unit?) without exposing your salary. Income data is pulled directly from your bank via Plaid — not from a document you uploaded.
Layer 3: Income Consistency
One of the most powerful signals on the report. Landlords see how steady your income has been month-to-month over the past year — shown as an income consistency indicator:
- Highly Consistent: income varies less than 15% month to month
- Consistent: normal variation, predictable pattern
- Moderate: variable income typical of gig or freelance work
For landlords, this answers a question that a single pay stub can never answer: will this tenant's income hold up in month nine?
Layer 4: Rent Payment History
If your bank transactions show outgoing payments matching rent patterns, landlords see a graduated rent history card:
- Good: 3–5 qualifying months detected
- Strong: 6–8 qualifying months detected
- Excellent: 9–12 qualifying months detected
This data is pulled directly from Plaid bank transactions — not from documents or self-reporting. It is the first fraud-resistant rent history signal available to landlords at scale.
Layer 5: Cash Reserves
Landlords see how many months of rent your verified bank balance covers, shown as a band — never an exact dollar amount:
- 1–2 months
- 3–5 months
- 6+ months
This tells a landlord whether a tenant can weather a financial disruption without missing rent.
Layer 6: Payroll, Employer, and Tenure (Argyle)
For applicants who connect Argyle payroll, landlords see:
- Employer name — the company your payroll comes from
- Employment status — full-time, part-time, contractor
- Tenure — how long you've been at that employer
- Income type — salary, hourly, commission
This is distinct from bank income: Argyle pulls directly from your employer's payroll system, confirming not just that money arrives in your account, but that it comes from a verified employer.
Layer 7: Landlord References
Landlords see verified ratings from your past landlords — people who have confirmed their identity as property owners before leaving a reference. Each reference shows:
- An overall rating
- A brief note (optional)
- Verification that the reviewer is a confirmed property owner
This is the layer that answers what bank data cannot: was this tenant a good neighbor? Did they communicate well? Did they leave the unit in good condition?
Layer 8: Credit and Background Check (Included)
VantageScore 4.0 via TransUnion (soft pull, zero score impact), criminal background check via CIC (national + county courts), and eviction history via CIC (7-year FCRA lookback). All included in Settl Verified Passport. Landlords see a result summary — not your full credit report.
What Landlords Never See
Your Settl Verified Passport is designed to give landlords the verification signals they need while keeping your financial details private:
- No bank account number or routing number
- No exact account balance
- No transaction history or individual purchases
- No exact income figure (only the rent ceiling)
- No Social Security Number
- No debt obligations or credit card balances
- No overdraft history
The Full Picture
The combination of identity, rent ceiling, income consistency, rent history, cash reserves, payroll, and landlord references gives a landlord a more complete and fraud-resistant picture than any traditional screening method — in under two minutes.
And because it's portable, you share your Settl Verified Passport on your terms, on your timeline, at every property you apply to — for one flat fee of $99.
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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