Our data promise

Bank account or routing numbers

Plaid handles your bank login entirely. These never reach our servers.

Your bank login credentials

You authenticate directly with your bank through Plaid. We see nothing.

Individual bank transactions

We fetch your last 12 months of transactions to analyze patterns, then discard them. No transaction list is saved.

Your exact bank balance

We convert your balance into a general cash reserve band (e.g. "3–5 months") and store only that.

Paystub documents or PDFs

Argyle sends structured data only. No document images or files are ever stored.

Hours worked, deductions, or tax info

From your payroll connection we extract employer name, income, and start date — nothing else.

Raw credit score (e.g., 685)

We pull your VantageScore 4.0 via TransUnion to determine your credit tier. The exact number is never stored, never shown to landlords. You see a tier label and range only.

Full tradeline detail

Individual creditors, account balances, payment history, and utilization rates are never stored by Settl. Your credit report is used to generate a tier — the underlying detail is discarded.

Arrest records without conviction

Federal guidance (HUD 2016) and multiple state laws — including Colorado (CRS § 38-12-1303), California, Washington, and others — restrict or prohibit using arrest records without conviction in rental decisions. We suppress these entirely — they never appear in your report.

Social Security Number

Stitch Credit (CRS) processes your SSN for background check verification only. Didit handles identity without exposing your SSN to Settl.

Government ID scans or biometric data

Didit processes your ID and liveness check entirely on their infrastructure. We receive only a pass/fail result.

Your VantageScore 4.0 is shown to landlords as a 20-point range (e.g., "700–720"). The range is shown by default. Your exact score is never stored or shared. Hideable in Custom mode — disables PTSR compliance.

Up to 4 reason codes explaining what most influenced your credit tier (e.g., "Length of credit history"). Required under FCRA § 1681g(f). Shown by default; hideable in Custom mode alongside the credit tier field.

A pass/flag summary: "No disqualifying records" or "Records present — individual review required." General lookback is 5 years; sex offenses, homicides, stalking, and meth manufacturing have unlimited lookback. Shown by default; hideable in Custom mode — disables PTSR compliance.

7-year FCRA lookback showing total filed evictions. Dismissed and withdrawn filings are suppressed. Colorado sealing rights notice (SB23-093) included. Shown by default; hideable in Custom mode — disables PTSR compliance.

The maximum rent you qualify for, calculated from verified income. You choose which ceiling to display from your readiness page. Your exact income is never included.

Shown on your report by default so landlords can contact you. Toggleable from your privacy controls, but at least one of email or phone must remain visible.

Shown by default. Toggleable from your privacy controls alongside email.

From your payroll connection. Toggleable from your privacy controls at any time.

The institution name of your connected bank (e.g. Chase). Toggleable — hiding it still shows your income is bank-verified.

Shown as a month band only (e.g. "3 months"). Your exact balance is never stored or shown. You choose how many months to display and can toggle it off entirely.

How many months of regular rent payments we detected in your transactions. No landlord names or amounts stored. Toggleable from your privacy controls.

Optional — you choose whether to display your DTI on your report. Calculated from open TransUnion tradeline monthly payments (primary source), cross-referenced with Plaid bank data when available. Medical debt is excluded per CFPB March 2025 rule. Never shown if you are a housing voucher holder.

A label derived from month-to-month income patterns (e.g. "Highly Consistent"). Toggleable from your privacy controls.

How long you have worked at your current employer (e.g. "2yr 3mo"). Toggleable from your privacy controls.

A pass/fail result from Didit. No ID scan or biometric is stored by Settl. Shown by default; hideable in Custom mode — disables PTSR compliance.

A monthly income figure derived from bank transactions, used to calculate your rent ceiling. Never shown to landlords.

Allows us to re-run verification when your data changes. Stored securely server-side, never exposed to anyone.

The date and time you consented to biometric identity verification, required under IL BIPA, TX CUBI, WA, OR, VA, DE, and HI biometric privacy laws. Internal only — never shown to landlords.

All fields on. Best approval odds. Default for new accounts.

Core 4 + rent history + contact + employer. Meets legal minimum for landlord-required acceptance in CO, CA, IL, NY, RI.

You control each field individually. Hiding a core field disables PTSR compliance.

Excellent

800–820 (example)

Good

700–720 (example)

Fair

620–640 (example)

Poor

500–520 (example)

Very Poor

300–320 (example)