How does Settl Verification work?

Settl verifies tenants across five factors: income (bank-verified via Plaid), income consistency (month-to-month stability), identity (biometric ID check via Didit), employment (direct payroll provider confirmation), and rental payment history. Each factor is independently verified and presented to landlords as a clear checklist.

Does Settl Verification affect my credit?

Settl runs a VantageScore 4.0 soft pull via TransUnion as part of the Settl Verified Passport. Soft pulls have zero impact on your credit score and are never visible to other lenders or creditors. Your score is checked, but never hurt.

What counts as verified income for Settl?

Verified income includes all deposits to your bank account over the past 90 days as identified by Plaid. This includes salary, freelance payments, gig income (Uber, DoorDash, etc.), government benefits, and other regular deposits.

What does Settl never use in verification?

Settl never uses race, gender, national origin, religion, familial status, disability, sexual orientation, or any other protected characteristic. Settl does include a VantageScore 4.0 soft pull (zero score impact): but the raw credit score is never shared with landlords or used as a pass/fail gate. Verification is based on financial and identity data as permitted under the Fair Housing Act.

How long is Settl Verification valid?

Settl Verification is valid for 30 days at any property from the date it was generated. After 30 days, tenants can renew at settlhome.com/pricing for $39 to get a fresh report.

Full Transparency

How Settl Verification Works

No black boxes. No hidden algorithms. Here is exactly what we verify, how we do it, and what we never use.

Plans

Verification Levels

Pre-Qualified

Free

Basic self-reported profile. Identity not yet verified. Income not bank-confirmed. Suitable for initial interest but most landlords will request further verification.

Settl Verified Passport

$99

Full verification suite: biometric identity (KYC via Didit), bank-verified income ceiling (Plaid), employer payroll + tenure (Argyle), rent payment history (Plaid), VantageScore 4.0 credit check (TransUnion soft pull, no score impact), criminal + eviction background check (national + county-level courts via CIC). The most comprehensive portable tenant screening report available. Strongest signal to landlords.

Transparent verification

What We Verify

Income Verification

Primary

Your income is verified directly from your bank via Plaid. We calculate your income-to-rent ratio against the industry-standard 3× rent benchmark. Landlords see a verified rent ceiling (e.g. "Verified for rent up to $2,400/mo") — never your exact income.

Self-reported only

Landlord takes your word

Basic

Bank connected (Plaid)

Account verified, transactions visible

Stronger

Income verified (Plaid)

Deposits confirmed, rent ceiling set

Strongest

Income Consistency

Settl Verified Passport

We analyze 12 months of bank deposit patterns via Plaid to measure how stable your income is month-to-month. Consistent income is a stronger signal to landlords than a single high-income month. Gig workers, freelancers, and salaried employees are all scored on the same scale.

Highly Consistent

Deposits varied less than 15% over 12 months

Strong

Consistent

Deposits varied 15–30% over 12 months

Good

Moderate

Higher variability, common for gig/freelance income

Acceptable

Identity Verification

Required

Government-issued photo ID verified through a biometric liveness check via Didit KYC. This confirms you are who you say you are — preventing fraud and building trust with landlords.

Didit KYC approved

Identity fully confirmed via biometric match

Verified

Didit KYC in review

Under manual review

Pending

Not submitted

Required for verification

Incomplete

Employment Verification

Strengthens Profile

Employment is verified directly through your payroll provider (ADP, Gusto, Workday, Paychex, and 350+ others). Longer employment history strengthens your profile. Freelancers and self-employed applicants are fully supported.

Payroll verified

Employer confirmed via payroll provider

Verified

Self-reported

Employment details provided by applicant

Basic

Rental & Financial History

Strengthens Profile

Rent payment history is verified from your bank transactions via Plaid. Consistent on-time payments strengthen your profile. Cash reserves are shown as a months of rent you can cover (e.g. "3 months") — never exact balances.

Rent payments verified

Consistent payment history confirmed

Verified

Cash reserves confirmed

Shown as months of rent covered, never exact amounts

Verified

Limited history

Less than 6 months of data available

Partial

Now Live

Enhanced Payroll Verification via Argyle

Settl now verifies employment directly via Argyle. Connected to ADP, Gusto, Workday, Paychex, and 350+ payroll providers covering 90%+ of the US workforce. This delivers:

Employer confirmed directly

Payroll provider confirms employment. No pay stubs to fake or upload.

Income verified at source

Gross salary and pay frequency pulled directly from payroll. Highest confidence for landlords.

Profile strengthened

Payroll-verified income provides the strongest possible signal to landlords.

Argyle payroll verification is live and included in your Settl Verified Passport.

The Settl Commitment

What We NEVER Use

To strictly comply with the Fair Housing Act, Settl verification is 100% blind to:

Race, ethnicity, or national origin

Gender or sexual orientation

Religion or creed

Age or familial status

Disability status

Zip code or neighborhood (no digital redlining)

Arrest records without a conviction

Hard credit pull (Settl uses soft pull only, no score impact)

Exact bank balances (we show verified ranges, never raw account numbers)

We verify financial readiness. Period. The same criteria apply to every applicant, and we never expose raw financial data. Only verified summaries and ranges.

Important Notice for Landlords

Settl provides tenant-initiated readiness assessments. Landlords and property managers who use Settl data to make adverse housing decisions (e.g., denying an application) must comply with applicable consumer protection laws, including providing the applicant with an Adverse Action Notice. Settl provides tenant-initiated rental readiness assessments and complies fully with the Fair Credit Reporting Act.

Ready to get Settl Verified Passport?

Free pre-qualification. Soft pull only — no score impact. 2 minutes.

Get Verified. From $99 Learn more about verification