Thin or no US credit? You still qualify.
Settl verifies income and identity directly. Without relying on a US credit score. H-1B workers, OPT students, L-1 transferees, and F-1 graduates can get verified and rent on their own terms.
Get VerifiedSoft pull only · SSN never shared · Valid 30 days at any property
Why visa holders face harder rental markets
The obstacles international renters face
No US credit history or thin FICO score
Credit bureaus only track US activity. A spotless international record counts for nothing with traditional landlords. Settl doesn't touch your credit report.
Landlords want SSNs you may not have yet
Settl can start verification with a passport or visa. You don't need an SSN to apply.
Employer offer letters expire or are conditional
Offer letters for H-1B workers often have start date limitations or conditions. Settl verifies actual deposits. Not future promises.
Guarantors are often required and expensive
Without a US guarantor, many landlords reject applications outright. A Settl Verified Passport with verified income eliminates the guarantor requirement for many properties.
How Settl works for you
Start with your email and income range
Takes 2 minutes to begin. SSN is used for the soft pull credit check only, never shared with landlords.
Connect your US bank account
Plaid connects to any US bank. Employer direct deposits verify your income instantly.
Verify identity with passport or visa
Passport, visa, government-issued ID from any country accepted.
Share your verified profile
Your Settl code works with any landlord, anywhere in the US.
What Settl verifies
US-deposited income
Employer direct deposits, stipends, and any income in your US account counts.
International ID accepted
Passport and foreign government IDs accepted for identity verification.
Soft pull only, no score impact
Settl includes a VantageScore 4.0 soft pull via TransUnion. A thin file or no US credit score is noted, not penalized. Zero impact on your credit.
Common questions
I'm on an H-1B visa with no US credit history. Can I use Settl?
Yes. Settl includes a soft pull credit check, but a thin file or no US credit score is noted rather than penalized. Income is verified from your bank deposits, and identity is verified from your passport or visa.
I just arrived and my first paycheck hasn't come yet. Can I still get verified?
You need at least some deposit history in your connected bank account. If you are brand new, wait for 1-2 paychecks and then verify. For immediate needs, contact us to discuss alternatives.
Do I need an SSN to apply?
You can start the process without an SSN. You will need a form of government ID (passport is accepted) for identity verification.
Will my visa status affect my Settl Verified Passport?
No. Settl does not check visa status or immigration records. Only income and identity are verified.
My employer gave me an offer letter. Is that enough without bank deposits?
An offer letter alone is not sufficient for Settl verification. We require actual deposit history. If you have deposits from your current or previous employer, those work fine.
You earned your place here. Your home should follow.
Get verified with your passport and US bank account. No credit history needed.
Get Settl Verified PassportSoft pull only · SSN never shared · Valid 30 days at any property
Verify once. Apply everywhere.
2 min · Soft pull only