Comparison

Settl vs MyRental (CoreLogic)

MyRental is a well-established CoreLogic screening product, but it is traditional bureau-based screening. Credit scores, criminal records, eviction databases. Settl verifies what actually predicts rent payment: bank income, cash reserves, and payment history.

Get your Settl profile

The core difference

MyRental verifies who you were: credit history, eviction records, criminal background, address history. Settl verifies who you are right now: live bank income, current cash reserves, actual rent payments made from your account. CoreLogic's data is bureau-compiled. Settl's data comes directly from your bank.

Feature-by-Feature Comparison

Feature	Settl	MyRental (CoreLogic)
Price Both platforms can be tenant-paid or landlord-paid. Settl is always renter-owned and portable.	$99 once (renter-paid, portable)	~$35 per screening
Who initiates screening MyRental can be landlord-ordered or tenant-paid. Either way,, the report is tied to that specific application.	Renter controls it	Landlord or tenant
Portable renter profile Settl is renter-owned. Share one profile with any landlord. MyRental reports are per-application, not a portable profile you keep and share.	Yes	No
Bank-verified income Income read directly from your bank account via Plaid , no document involved. 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
Bureau-based credit report 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). MyRental pulls traditional credit bureau data: credit score, payment history, debt load.	VantageScore 4.0 (soft pull, no score impact)	Yes
Verified cash reserves Shows how many months of rent you have saved. MyRental does not surface savings, it is entirely bureau-based.	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. More reliable than eviction records.	Yes	No
Rental payment history (database) MyRental includes rental payment history from CoreLogic's rental database, self-reported landlord data. Settl shows bank-verified payment transactions, direct evidence from your account.	Bank-verified	CoreLogic database
Biometric identity + liveness check Your government ID is matched to your face in real time. MyRental relies on SSN-based identity with no live biometric match.	Yes	No
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. MyRental 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. MyRental includes eviction records; dismissed filings may still appear.	Yes	Yes
Address history check MyRental includes address history, useful for context but not a fraud-resistance signal. Settl focuses on financial verification from live bank data.	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. MyRental requires your SSN for the bureau credit pull.	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. MyRental is also an FCRA consumer report with landlord compliance obligations.	Yes	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. MyRental is individual only.	Yes	No

The Real Differences

🏦 Bank-direct vs bureau-compiled data

MyRental pulls data from CoreLogic's credit and rental bureaus, compiled from third-party reports, court records, and landlord-submitted data. Settl connects directly to your bank. Income, cash reserves, and rent payment history come from your bank's own live records, not a compiled database. 84% of landlords regularly see fake pay stubs (NMHC 2024). Bureau data cannot catch fabricated documents. Bank data bypasses the problem entirely.

💰 Cash reserves: invisible to MyRental

MyRental is entirely bureau-based. It shows credit, eviction, criminal, and address 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. That financial buffer is what keeps tenancies stable. It is invisible to MyRental. Settl surfaces it directly.

⚖️ Fair Housing & FCRA legal exposure

MyRental includes criminal records and eviction history. 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

MyRental relies on SSN-based identity verification tied to credit bureau records. 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.

📊 Bank-verified payments vs database history

MyRental's rental payment history comes from CoreLogic's database, self-reported by landlords, with gaps and inconsistencies. Settl shows 12 months of bank-verified transactions: actual proof that rent was paid, on time, from a real account. Database history depends on landlord reporting. Bank history depends on nothing. It is the source of truth.

🏠 Portable profile vs per-application report

MyRental is per-application, tied to a specific landlord request, not a profile you own. Settl is landlord-agnostic. Your verification code works with any landlord, on any platform, anywhere: individual owners, property managers, and large REITs.

⚖️ 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.

MyRental (CoreLogic)

~$35 per screening

Credit, eviction, criminal, address history, rental payment history. Bureau-based. Landlord or tenant-paid. Not portable.

MyRental pricing as of March 2026. Subject to change.

Which Is Right for You?

Choose Settl if…

Your income is bank-deposited and verifiable
You have savings and want that to count
You want to own a portable profile, not a per-application report
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, not just a bureau lookup

MyRental might work if…

Your landlord specifically requests a CoreLogic report
You have a strong credit history you want to lead with
Your landlord wants CoreLogic rental payment database history
You are comfortable sharing your SSN for a bureau pull

Ready to build a fraud-proof renter profile?

Bank-verified income. Cash reserves. Biometric identity. One code. Works with any landlord, no bureau required.

Get Settl Verified Passport

One report. Any landlord. Valid 30 days.

Apply to as many properties as you want. Update your settings before each new application. How it works →