Couples & Partners
Apply together.
Qualify for more.
Settl Household Reports let you and your partner combine verified incomes into one landlord report. One H- code. Soft pull only, no score impact. Bank-verified proof that works.
Soft pull only · SSN never shared · Valid 30 days at any property
Household vs. Solo
Why apply together?
| Couple (Household) | Apply Solo | |
|---|---|---|
| Application method | One H- household code | Two separate applications |
| Income shown to landlord | Combined verified income | Each income separately |
| Cost | $99 + $99 = $198 (everyone pays $99) | $99 + $99 = $198 |
| Credit check | Soft pull, no score impact | Soft pull, no score impact |
| Landlord report format | One page, both profiles | Two separate links |
| Application strength | Stronger. Combined qualifying ratio | Standard |
Why it works
Built for couples renting together
Combined income | both verified
Your combined bank-confirmed income is shown as a rent ceiling. Couples often qualify for 2x more than applying alone.
Soft pull only, no credit impact
Settl includes a VantageScore 4.0 soft pull via TransUnion. Soft pulls have zero impact on either partner's credit score and are never visible to other lenders. No hard inquiry.
One code, one report
Landlords see one household report with both partners’ verified profiles. No separate links to share or track.
Each partner keeps their own profile
Your individual Settl profile is yours forever. If you ever need to apply independently, your verified profile travels with you.
Step by step
How a couple applies together
One partner creates the Household
The primary applicant completes Settl verification ($99) and gets an invite link to share.
Second partner joins
Your partner follows the invite link, completes their own Plaid + identity verification. Settl Verified Passport ($99).
You get one shared H- code
Once both of you are verified, Settl generates a single H- code. Landlords enter it to see both profiles in one clean report.
Pricing
Both partners verified: $99 each
$198
Both partners verified
($99 + $99, same price for everyone)
$198
Two separate profiles
($99 each)
Settl into your new home.
Common questions
Do we both have to apply at the same time?
No. One partner starts, completes verification, and gets an invite link. The second partner can join any time before the link expires (30 days).
What if one partner's income is much higher?
Both incomes are verified separately and combined. Each person gets their own individual score. The household report shows combined income as a rent ceiling.
Can an unmarried couple apply together?
Yes. There is no requirement to be married. Any two (or more) people renting together can create a Household Report.
What if we don't get the apartment?
Your Settl profile is yours and reusable, valid for 30 days. Share it with as many landlords as you like. The Household Report can also be shared with multiple landlords simultaneously.
Does the second partner pay full price?
Yes. Everyone pays $99, there is no longer a discounted household rate. All members get the full Settl Verified Passport (identity + bank income verified) and a reusable profile.
Ready to apply together?
One partner starts. The other joins. One H- code for both.
Start Your Household ReportSoft pull only · SSN never shared · Valid 30 days at any property
Verify once. Apply everywhere.
2 min · Soft pull only