The credential that proves
you belong there.
Settl verifies your income, identity, and rent history, then gives you a portable credential landlords trust on contact.
3 renters verified nationwide
Jordan M.
Verified · 30 days remaining
Identity verified
Didit biometric · liveness + gov ID
Verified for rent up to $2,400/mo
Plaid bank · income ceiling only
Employment confirmed · 2 yr 4 mo
Argyle · direct from payroll system
Income: Highly Consistent
Plaid · 12-month deposit analysis
Cash reserves: 3–5 months
Plaid · bank balance · never exact amount
12 months rent history
Plaid · bank transactions
VantageScore 4.0 · soft pull
TransUnion via CRS
Criminal background clear
CRS/CIC · national + county courts
No evictions found
CRS/CIC · national + county courts
DTI: 22% · Excellent
Plaid + Argyle
Landlord references verified
Email-verified prior landlords
Verification powered by
“Not a score.
A credential you earn.”
Traditional screening runs a credit check that costs you a hard pull, ignores gig income, and tells landlords almost nothing about whether you'll actually pay rent. Settl replaces that with real, verified data.
Income confirmed from your bank. Identity confirmed from your government ID. Employment confirmed from your payroll. All in one portable report. Valid for 30 days, shareable everywhere.
A credit score is one signal.
Landlords need the full picture.
A credit score alone can't tell a landlord if you have money today, paid rent on time, or who you actually are. Settl answers every question — and includes a soft-pull credit check so landlords get the full picture in one verified report.
Your landlord never sees your bank account.
When you connect via Plaid, Settl reads your income and generates your verification. Your landlord receives only the verified tier and rent ceiling — never your exact income figure, account numbers, balances, or any raw bank data. Your SSN is never shared.
Soft pull only. Zero score impact.
Landlord-initiated credit checks trigger a hard inquiry and can lower your score. Settl's VantageScore 4.0 check is a soft pull, run by Settl on your behalf. Results go straight into your Passport. No hard inquiry. No score impact.
VantageScore 4.0 via TransUnion
Soft pull · zero score impact · included in every Settl Passport
30-day validity · unlimited landlords · Valid 30 days at any property
One passport. Every landlord.
Not ready to verify? Start with a free estimate.
Instant eligibility check · no credit pull · not shareable with landlords
No subscription · verified data from the source · share with unlimited landlords
Stop paying per application.
Every time you apply, landlords charge $40–$60 for a screening fee. Settl replaces all of that with one $99 report you share everywhere.
How many apartments are you applying to?
One Passport. Share it with every landlord you apply to — $99 once, no matter how many. Get verified
See where you stand.
Verification Estimator
Where might you start?
Enter your monthly income and target rent to see if you qualify for verification.
Enter your income and rent above to see your estimated verification level.
The calculator above gives an estimate. Your actual verification may differ based on verified data. Get verified
Verified income is verified income.
No matter how you earn, Settl verifies it straight from the source — bank deposits, payroll, or both.
Gig workers & freelancers
DoorDash, Uber, Instacart, Upwork — your 12-month bank deposit history tells the full story. No pay stub required.
Self-employed & 1099
Business owners and contractors: bank deposits are stronger evidence than any document you could upload.
International renters
No US credit history? Settl verifies income and identity regardless of how thin your credit file is.
First-time renters
No rental history required. Prove identity, income, and employment directly from verified sources.
Relocating from out of state
Get verified before you arrive. Share your Passport with landlords remotely — no in-person visit needed.
Roommates & couples
Settl Household Reports combine two incomes into one verified profile. One code, both applicants.
See exactly what they see
What landlords receive
When you share your Settl verification, landlords get a clean, professional report. Here is exactly what it looks like.
Sample report shown. Your actual report will reflect your own verified data.
Straight from the source.
Every data point in your Passport comes directly from a verified source — not a document you uploaded.
Identity
via DiditGovernment-issued photo ID matched against a biometric liveness check. Confirms you are who you say you are — not a scan, a live face match.
Income ceiling
via PlaidRead-only connection to your bank. Live deposit history confirms your income ceiling. No PDFs. No self-reported figures.
Employment + payroll
via ArgyleDirect connection to your payroll provider (ADP, Gusto, Uber, Workday). Confirms employer, hire date, tenure, and earnings.
Rent payment history
via PlaidRecurring rent payments detected from 12 months of bank transactions. Confirms on-time payment history without requiring landlord contact.
Credit check
via TransUnionVantageScore 4.0 soft pull. Zero score impact. The credit tier is included in your Passport — your exact score is never shared with landlords.
Criminal & eviction
via National + countyBackground check covering national criminal databases and county-level eviction records. Included in every Passport.
Two steps to your strongest verification.
Free
Pre-Qualified
Instant eligibility estimate
$99
Settl Verified Passport
Everything: identity, income, employment, background, credit
Pre-qualify
Enter your rent target and estimated income. Instant eligibility estimate. No credit pull, no commitment.
Get Settl Verified Passport
Verify identity (Didit), connect your bank (Plaid), add payroll (Argyle). Your full Passport includes everything: income, employment, rent history, soft-pull credit, and criminal & eviction check.
From $99 · Valid 30 days at any property · Soft pull only
Powered by trusted data sources
What they see
when you share your code.
When a tenant shares their SETTL- code, landlords see a clean, structured report, not a raw data dump. Every number verified. Every claim confirmed.
- —Verified rent ceiling (never exact income)
- —Identity confirmed via biometric KYC
- —Employment status + hire date + tenure
- —24-month on-time rent payment history
- —Cash reserves as month band (e.g. "3–5 months")
- —Previous landlord references (verified, portable)
- —Credit check result included, soft pull by Settl, no hard inquiry
Applicants, Unit 4B
Jordan M.
Verified up to $2,400/mo
Sara R.
Verified up to $2,100/mo
Dev K.
Verified up to $3,100/mo
Built differently. On purpose.
Built on trust.
Straight from the source.
Every data point pulled directly from payroll systems, banks, and courts. Not uploaded. Not self-reported. Not fakeable.
Frequently asked
A lower income-to-rent ratio does not automatically disqualify you. Landlords see your verified income ceiling, employment stability, rent payment history, and cash reserves — not just one number. Many landlords weigh the full picture, especially when all other signals are strong.
Settl runs a soft pull only (VantageScore 4.0 via TransUnion), with zero impact on your credit score, never visible to other lenders. Your Settl Verified Passport is based on verified income, identity, employment stability, and this soft pull. Your exact credit score is not shared with landlords.
Landlords see a clean verified profile: your rent ceiling (never your exact income), biometric identity confirmation, employment status and tenure, rent payment history, cash reserves as a month band, credit tier, and background check result. No raw bank data, no account numbers, no transaction history. You share your verification code — landlords verify it free at settlhome.com/verify.
Yes. Your Settl Verified Passport is valid for 30 days and can be shared with unlimited landlords. Give each landlord your verification code — they check it free in 30 seconds. One payment, unlimited applications during your validity window.
Yes. Bank linking uses the same secure technology as Venmo, Cash App, and most major financial apps. It is read-only. It cannot move money and your bank login is never stored by Settl. Millions of people use this technology every day.
1099 income, freelance contracts, gig deposits, and multiple income sources all count. We look at your actual bank deposits rather than requiring a traditional pay stub. The bank link option is especially helpful for freelancers.
Pre-qualification is always free. The Settl Verified Passport is $99. One payment, valid for 30 days. It includes identity verification, bank income ceiling, employment verification (Argyle), VantageScore 4.0 credit check (soft pull), criminal and eviction background check, rent payment history, and optional landlord references. Share with as many landlords as you need during those 30 days.
Your Settl Verified Passport is valid for 30 days from the date of purchase. After that, you can renew for $39 to extend for another 30 days.
Settl applies the same scoring criteria consistently to every applicant. We do not consider race, religion, national origin, sex, disability, or familial status. We comply fully with the Fair Housing Act.
For landlords
Already have a Settl Verified Passport?
Share your verification code with landlords so they can verify your profile instantly at settlhome.com/verify
Built on verified data
Every layer of your Passport comes directly from a primary source — not a document you uploaded.
Plaid
Bank income ceiling + rent history
Read-only bank connection. Confirms deposits and rent patterns directly from your account.
Argyle
Employer + payroll + tenure
Direct payroll system connection to 350+ providers. Confirms hire date, salary, and employer name.
Didit
Biometric identity (KYC)
Government ID matched against a live biometric selfie. Confirms you are who you say you are.
TransUnion via CRS
VantageScore 4.0 credit
Soft pull only. Zero score impact. Credit tier included in every Passport.
CIC via CRS
Criminal + eviction records
National database + county-level courts search. Included in every Passport at no extra fee.
One passport. Every state.
Your Settl Verified Passport works nationwide. In Colorado, landlords are legally required to accept portable screening reports under HB25-1236 — and more states are following. Verify once, apply everywhere.
Required acceptance in Colorado · Recognized nationwide · Share with unlimited landlords
Questions about your verification?
Your next landlord
is already expecting you.
One verification. Shareable everywhere. No repeat applications.
From $99 · Under 5 minutes · Soft pull only · Valid 30 days
Ready to get verified?
Free · 2 minutes · Soft pull only