Colorado Renters Have the Right to Use Their Own Screening Report

What is HB25-1236 and what does it mean for Colorado renters?

HB25-1236 strengthened Colorado's 2023 portable tenant screening law (HB23-1099). Together, these laws establish requirements for how landlords in Colorado must handle tenant screening reports. Under these laws, Colorado landlords may be required to accept a qualifying portable screening report provided by an applicant, rather than requiring the applicant to pay for a new screening. Consult a local attorney for how this applies to your specific situation.

Does my Colorado landlord have to accept my Settl report?

Colorado's portable screening laws may require landlords to accept a qualifying portable tenant screening report. Settl is designed to meet Colorado's portable screening requirements under HB23-1099 and HB25-1236. Legal applicability varies, consult a Colorado attorney for your specific situation.

Can my landlord charge me an application fee if I provide a Settl report?

Under Colorado's portable screening laws, landlords may be prohibited from charging an additional application fee when a qualifying portable screening report is provided. This is one reason Settl was built, to give Colorado renters a compliant portable report they can use everywhere. Consult a local attorney for specifics.

What does Settl verify?

Settl verifies: (1) your identity via government-issued ID and biometric liveness check, so landlords know you are who you say you are; (2) your income ceiling via a live Plaid bank connection, read-only, direct from your bank, not self-reported; and (3) your employment status via your payroll provider (Settl Verified Passport). None of this involves your credit score.

Does Settl pull my credit?

Settl runs a soft pull credit check (VantageScore 4.0 via TransUnion, zero score impact). A lower credit score does not disqualify applicants, verified income, identity, and employment carry significant weight. Landlords see a 20-point score range, not the exact score.

How long is my Settl report valid?

Your Settl report is valid for 30 days at any property from the date of verification. During that time, you can share your verification code with unlimited landlords anywhere in the US.

Is Settl only for Colorado renters?

No. Settl works for renters across the US. But Colorado renters have an additional advantage: state law may require your landlord to accept it. At least 7 states have now enacted portable tenant screening legislation. Colorado, California, Illinois, Maryland, New York, Rhode Island, and Washington, with more states moving in this direction.