This is the actual report.
Nothing hidden from you.

For landlords: This summary card is the first thing you see — a one-glance snapshot of the tenant's key financials and background. Green checkmarks mean verified. Red flags require your review. Everything here is pulled from live data sources, not documents.

3–5 months of rent

Verified bank balance covers at least 4+ months of desired rent. Confirmed directly via Plaid, not from a document.

Exact balance is not disclosed to protect tenant privacy. Balance verified directly from bank via read-only Plaid connection.

For landlords: Cash reserves tell you how many months of rent this tenant has in the bank right now. Shown as a band — never exact. A tenant with 4+ months of reserves is significantly less likely to miss a payment after a job change or unexpected expense.

Excellent

12 consecutive verified rent payments detected in bank data

Detected from recurring outgoing bank transactions consistent with rent payments. Verified via read-only Plaid connection. Account numbers are never shared with landlords.

For landlords: Rent history is detected from the tenant's actual bank transaction data — not from a landlord reference or self-reported claim. 12 consecutive months means this tenant has paid rent on time, every month, for a full year. This is one of the strongest predictors of future rent behavior.

Highly Consistent

Month-to-month deposits varied less than 15%, predictable like a salary

Measured across 12 months of verified bank deposit data via Plaid. Not a consumer report.

For landlords: Income consistency measures how stable the tenant's monthly deposits are over the past year. “Highly Consistent” means their income barely fluctuates — as predictable as a salaried employee. This sharply lowers the risk of a missed payment due to an income swing.

No derogatory marks, no collections, no public records.

VantageScore 4.0 · Soft pull · Zero impact to applicant's credit score · Medical debt excluded per CFPB rules effective March 2025.

For landlords: The credit score is shown as a 20-point band, not an exact number — this protects tenant privacy while giving you the information you need. A 700–720 VantageScore 4.0 is “Good” — well above the national average. The pull is “soft,” meaning it has zero impact on their score.

Covers convictions within the applicable state lookback period per FCRA § 605(a)(5). Arrests without conviction are excluded.

For landlords: This is an example of what a record looks like. This one is a minor misdemeanor (disorderly conduct) from 2023 — recent but minor. Federal Fair Housing law requires you to assess it individually: consider the offense type, time elapsed, and whether it bears any direct relationship to being a tenant. A single old misdemeanor is typically not grounds for denial.

Covers court records filed within the past 7 years per FCRA § 605(a)(2). Dismissed and withdrawn filings are suppressed and not reported in most states — this filing appears because it was found in the national court index before dismissal data was propagated.

For landlords: This is an example of a dismissed eviction filing. It was filed in 2021 and dismissed 40 days later — meaning the landlord did not pursue it to judgment (common when a payment dispute is resolved). A dismissed filing is considered significantly less serious than an eviction judgment. Combine this with the 24 months of verified rent payments above to make a full assessment.

Tenant selects which references to include. References are verified by Settl before appearing on the report.

For landlords: Landlord references are placed last — after all the financial and background data — because they're confirmation, not qualification. By the time you reach this section, you already know this tenant can afford your unit, has no red flags, and pays reliably. References close the loop on character and behavior.

Verified By

Identity & Biometrics

Bank Income Verification

Payroll & Employment

Credit & Background

How this report was generated

This report was assembled by Settl from multiple verified sources: biometric identity (Didit KYC — government ID + liveness check), bank income & cashflow (Plaid — read-only bank connection), payroll & employment (Argyle — direct employer payroll), credit report (TransUnion VantageScore 4.0 via CRS — soft pull, no score impact), and criminal & eviction background (CIC national + county courts via CRS). None of these data sources can be manually altered by the applicant. Settl does not accept documents, PDFs, or self-reported data for verified fields.

Ready to verify a real applicant?

When a tenant shares their Settl Passport code with you, visit settlhome.com/verify and enter their code — no account needed, completely free. You'll see everything above in under 30 seconds.