Comparison
Settl vs DoorLoop
DoorLoop is a full-featured property management platform with TransUnion-powered tenant screening. It is a powerful tool for landlords, but it requires a PM subscription, and you as the tenant have no ownership of your report. Settl puts the verified profile in your hands.
Get your Settl profileThe core difference
DoorLoop is a landlord tool. Property management, rent collection, maintenance tracking, and tenant screening all in one platform. Screening is a feature within their workflow. Settl is a renter tool: a portable verification profile you build once, own permanently, and share with any landlord anywhere. No PM subscription. No landlord account. SSN never shared with landlords.
Feature-by-Feature Comparison
| Feature | Settl | DoorLoop |
|---|---|---|
Price DoorLoop charges per-tenant screening within a PM subscription. Settl is a one-time renter-paid fee, portable across all landlords. | $99 once (renter-paid, portable) | $45–$49.90 + PM subscription |
Who initiates screening DoorLoop screening is landlord-ordered within their property management platform. Tenants participate but do not own or control the report. | Renter controls it | Landlord orders it |
Portable renter profile Settl is renter-owned. Share one profile with any landlord. DoorLoop reports are tied to a specific landlord account and property, not a portable profile you keep. | Yes | No |
Bank-verified income Income read directly from your bank account via Plaid, not a pay stub you submit. 84% of landlords regularly see fake pay stubs (NMHC 2024). Bank-direct cannot be faked. | Yes | No |
Debt-to-Income (DTI) ratio Settl calculates monthly debt obligations as a percentage of gross income and displays it on the report, color-coded from Excellent to Elevated. Tenant-controlled opt-in only. No other portable screening tool offers this layer. Subsidy holders are automatically excluded per source-of-income law. | Yes | No |
Document-based income DoorLoop accepts income documents submitted by applicants. These can be fabricated with AI tools in minutes. Settl bypasses documents entirely. Income comes from your bank.. | No | Yes |
Verified cash reserves Shows how many months of rent you have saved. DoorLoop does not surface savings, it is bureau-based credit and background only. | Yes | No |
Rent payment history from bank 12 months of actual bank transactions showing payments made to landlords, proof you paid, confirmed from the source. | Yes | No |
Biometric identity + liveness check Your government ID is matched to your face in real time. DoorLoop relies on SSN-based bureau identity, no live biometric match. | Yes | No |
Credit report (TransUnion) Settl includes a VantageScore 4.0 soft pull via TransUnion. Zero score impact. The credit tier and range are shown on your report (not the raw numeric score). DoorLoop is TransUnion-powered: credit score, criminal, eviction, and loan payment history. Standard bureau data. | VantageScore 4.0 (soft pull, no score impact) | Yes |
Criminal background check Settl includes national + county criminal background checks via CIC. State-specific lookbacks enforced (3–10 years depending on state). Arrest records never shown. Fair Housing Act individualized assessment notice included. Criminal background bans are law in Seattle, NYC, Chicago, California, and dozens more cities. DoorLoop includes criminal records, exposing landlords to Fair Housing Act liability. | Yes | Yes |
Eviction history check Settl includes 7-year eviction history via CIC. Dismissed and withdrawn filings are suppressed per FCRA. DoorLoop includes eviction records via TransUnion; dismissed filings may still appear. | Yes | Yes |
Loan payment history DoorLoop includes loan payment history (TransUnion). Useful for debt context, but not specific to rent payment behavior. | No | Yes |
SSN required Settl uses your SSN internally for the soft pull credit check only. Your SSN is encrypted and never shared with landlords or displayed on your report. Identity is verified biometrically via government ID + live selfie. DoorLoop's TransUnion pull requires your SSN. | No | Yes |
FCRA compliance required Settl is a registered Consumer Reporting Agency (CRA) under FCRA §1681a(f). Compliance is built in — dispute rights, adverse action guidance, and required disclosures are all included in the Settl report. Landlords receive adverse action notice guidance directly in the report. DoorLoop is also an FCRA consumer report with landlord compliance obligations. | Yes | Yes |
PM subscription required DoorLoop screening is only available within a DoorLoop property management subscription. Your landlord must pay for PM software to access it. | No | Yes |
Verified rent ceiling You choose what income range to display , landlords see "Verified for rent up to $X/mo" rather than your exact income. Protects your financial privacy. | Yes | No |
Household / co-applicant reports Settl combines multiple applicants into one Household Report with weighted combined income and a single shareable code. DoorLoop handles this at the PM platform level. | Yes | PM managed |
The Real Differences
💼 PM-locked vs landlord-agnostic
DoorLoop screening only works if your landlord subscribes to DoorLoop's PM platform. You cannot use a DoorLoop report with a landlord on a different system. Settl works with any landlord, on any platform, anywhere: individual owners, building managers, and large REITs. Share a code by email, text, or QR.
🏦 Bank-direct vs TransUnion-powered
DoorLoop uses TransUnion for screening: credit score, criminal history, eviction records, loan payment history. 84% of landlords regularly see fake pay stubs (NMHC 2024). Bureau data cannot catch fabricated documents. Settl connects directly to your bank. Income comes from your bank's own live records. No document to forge.
💰 Cash reserves: invisible to DoorLoop
DoorLoop shows credit score, criminal history, eviction records, and loan payment history. It does not show savings. A tenant with 3–5 months of cash reserves can absorb a job loss, medical bill, or slow month without missing rent. Settl surfaces cash reserves directly from bank data. A financial buffer landlords can actually evaluate.
⚖️ Criminal + eviction legal exposure
DoorLoop includes criminal records and eviction history via TransUnion. Both carry Fair Housing Act liability in dozens of cities. Settl includes FCRA-compliant criminal background checks (national + county via CIC, state lookbacks enforced, no arrests shown) and 7-year eviction history. Fair Housing Act individualized assessment notices are built into the report. As a registered CRA under FCRA, Settl handles the compliance framework — the required disclosures and adverse action guidance are included in every report.
🧬 Biometric identity vs SSN lookup
DoorLoop's identity check relies on SSN tied to TransUnion bureau records, no live biometric match. Settl pairs a government ID with a biometric liveness check: the person completing verification must match the document in real time. Synthetic identities and fraudsters using borrowed credentials cannot pass Settl's identity step.
📊 12 months of actual rent payments
DoorLoop checks eviction records and loan payment history from TransUnion. Settl shows 12 months of bank-verified transactions to landlords: actual proof that rent was paid, on time, from a real account. Bureau history reflects how someone repays debt. Bank-verified rent transactions reflect how they actually pay their landlord.
⚖️ Fair Housing guardrails built in
Settl runs criminal and eviction checks with Fair Housing guardrails built in: state-specific lookbacks (3–10 years), no arrests ever shown, and individualized assessment notices included. Financial behavior — income stability, savings, actual payment history — remains the strongest predictor of rent payment. Settl surfaces all of it.
📋 Payroll-verified directly from your employer
Settl connects directly to payroll providers like ADP, Gusto, Paychex, and thousands more, covering 170M+ U.S. workers. Employment and income are confirmed from two independent sources: your bank account and your employer's own payroll system. No pay stub required. No document to forge. Two data streams that must agree.
Pricing Side by Side
Settl
Settl Verified Passport: $99
Biometric identity (KYC), bank-verified income ceiling, employer payroll + tenure (Argyle), rent payment history, VantageScore 4.0 soft pull credit check (zero score impact), criminal + eviction background check. Share with unlimited landlords. Valid 30 days.
30-Day Renewal: $39
Already verified? Extend your acceptance window by 30 more days. Same code, no re-verification needed.
DoorLoop
Screening: $45–$49.90 per tenant
Criminal background, eviction, credit score, loan payment history (TransUnion-powered). Landlord-ordered within PM platform.
PM subscription required
DoorLoop is a full property management platform. Screening is bundled within. The landlord must subscribe separately.
DoorLoop pricing as of March 2026. Subject to change.
Which Is Right for You?
Choose Settl if…
- Your income is bank-deposited and verifiable
- You want to own your profile, not be subject to a PM platform
- You have savings and want that to count
- You don't want to share your SSN
- You are applying to multiple properties at once
- Your landlord is in a city with criminal background check bans
- You want biometric identity verification, not just a bureau lookup
DoorLoop might work if…
- Your landlord already subscribes to DoorLoop as their property management platform
- You have a strong credit score and loan payment history you want to lead with
- The landlord is managing multiple properties and has a PM workflow
- You are comfortable sharing your SSN for a TransUnion pull
Ready to build a fraud-proof renter profile?
Bank-verified income. Cash reserves. Biometric identity. One code. Works with any landlord. No DoorLoop subscription required.
Get Settl Verified Passport