Everything you need to approve a tenant,
already verified.
Screen tenants in 30 seconds instead of 5 days. Biometric identity + bank-verified income + background check, already done. Free for landlords, forever.
Three steps. Zero paperwork.
Post your custom Settl link in any listing. Tenants click, not you. Works in Zillow descriptions, emails, or text messages.
They connect bank + ID + payroll + background checks. Takes 5 minutes, costs them $99. You are not involved in this step at all.
One URL. Income verified. Identity confirmed. Employment on record. Credit, criminal, and eviction checks included. Open it in any browser. No account required.
Ready to share with applicants.
Copy the message below and paste it into any listing, email, or text.
A complete tenant picture. In one link.
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No credit card. No software to install. Works in any browser.
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Request a sample report.
See exactly what you’ll receive before asking any applicant to verify. Arrives in your inbox in minutes.
Get a sample report emailed to you
See exactly what you receive when a tenant shares their Settl code with you.
No spam. One email. Unsubscribe anytime.
Better data. Zero cost.
Every report applies identical criteria to every applicant. Fair Housing Act compliant by design. No legal guesswork.
No more calling employers, chasing references, or waiting 5 days. You enter a code. The report is already there.
Every tenant gets a standardized Settl Verified Passport so you can compare fairly.
Government ID + liveness check. Bank-verified income. Credit, criminal, and eviction checks. No more fake pay stubs.
See how stable a tenant's income is month-to-month, not just a snapshot. Fewer surprises after move-in.
Open any tenant report in a standard browser. No app, no install, no training required.
Settl eliminates both major fraud vectors: fake pay stubs and identity fraud. Income is pulled directly from employer payroll systems. Identity is confirmed with a government ID + biometric liveness scan. There is no document to fake.
Source: NMHC Pulse Survey on Rental Application Fraud and Bad Debt, 2024
Better data. At no cost to you.
| Feature | Settl | SmartMove | RentSpree | Zillow |
|---|---|---|---|---|
| Cost to landlord | $0 forever | $0 | $0 (tenant pays $40–50) | $0 |
| Cost to applicant | $99 once — share everywhere | $25–$40 per application | $40–$50 per application | $29 per application |
| Bank-verified income | ✓ Plaid (direct from bank) | ✗ Self-reported | ✓ Plaid (recently added) | ✗ Self-reported |
| Biometric ID check | ✓ Didit liveness scan | ✗ | ✗ Photo upload only | ✗ |
| Criminal + eviction check | ✓ Included | ✓ Add-on cost | ✓ Included (TransUnion) | ✓ Add-on cost |
| PTSR compliant (HB25-1236) | ✓ Yes | ✗ No | Partial | ✗ No |
| Fraud-proof income | ✓ Direct from payroll | ✗ Pay stubs (fakeable) | ✗ No payroll verification | ✗ Pay stubs |
| Share with multiple landlords | ✓ Unlimited | ✗ One per report | ✗ One per report | ✗ One per report |
Competitor pricing based on publicly available information as of March 2026. Subject to change.
How landlord references work
Tenants arrive pre-screened. You just review.
When a tenant lists you as a prior landlord in their Settl Passport, we send you a 60-second verification link. You confirm the tenancy — and see their full verified report while you're there.
No forms to fill out. No documents to request. Every tenant who applies with a Settl Passport has already been verified — income, identity, background, and credit — before they knock on your door.
PTSR Laws — 7 States
In these states, this is now law.
7 states have enacted Portable Tenant Screening Report (PTSR) laws. The Settl Verified Passport meets the requirements in all of them. In mandatory-acceptance states, you can require a portable report and eliminate your own $35–50 per-applicant screening cost entirely.
- ✓You can require applicants to provide a valid portable report instead of running your own
- ✓No more $30–50 per-applicant screening costs in mandatory-acceptance states
- ✓Reports include bank-verified income — no fake paystubs, no self-reported numbers
A Settl Verified Passport is valid at any rental property in all 50 states — PTSR laws just make it legally required in these 7.
Reviewing a group? One H- code covers everyone.
When a group applies, they submit a single Household Report. You enter one H- code and instantly see every member’s verified income, ID, and their Settl Verified Passport.
H-XXXXXXXX. Enter it at settlhome.com/verify and see every verified member instantly.
All applicants' bank-verified incomes combined into one qualifying total. No math required.
Each person independently verified. Income, identity, Settl Verified Passport. Not one, all of them.
Common questions
Yes. Settl is completely free for landlords and property managers. There is no subscription, no setup fee, and no per-lookup charge. Tenants pay for their verification.
Yes. Tenants initiate their own verification. Settl is a Consumer Reporting Agency (CRA) under FCRA. If you take adverse action (deny housing, require a co-signer, or charge a higher deposit) based in whole or in part on a Settl report, you must provide the applicant an adverse action notice identifying Settl as the source of the report, per FCRA §615 (15 U.S.C. §1681m).
Verification takes about 30 seconds. Enter the tenant Settl code at settlhome.com/verify and you instantly see their verified identity, income, and background checks.
A Settl Verified Passport includes identity (biometric KYC via Didit), bank-verified income ceiling (Plaid), employment and tenure from payroll (Argyle), VantageScore 4.0 credit check (TransUnion soft pull), criminal background (national + county-level courts via CIC), eviction history (national + county-level courts via CIC), rent payment history (Plaid bank transactions), optional landlord references, and a tenant-controlled Debt-to-Income (DTI) ratio.
Yes. Settl never considers race, religion, gender, national origin, familial status, or disability. Every factor we measure is financially relevant and lawful under the Fair Housing Act.
The Settl Verified Passport is valid for 30 days from the date of verification. You can accept Passports issued within the last 30 days without requiring a new application.
Settl uses bank-level 256-bit AES encryption and read-only Plaid bank connections. Landlords see only a verified summary. Exact income is never disclosed. Raw bank statements and transaction data are never shared with landlords.
Yes. Each tenant gives you a verification code. Enter multiple codes on your dashboard to compare Settl Verified Passports, income levels, and verification statuses side by side.
Can't find your answer? Email [email protected] and we'll respond within 4 hours.
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