New job. New city.
No credit history. No problem.

New job, thin rental history

You just started your career. You have income but no landlord references. Settl verifies your income directly from your bank. No W-2s, no references needed.

Moving to a new city

Applying remotely is hard when landlords want to meet you. Settl Verified Passport gives out-of-town applicants a pre-verified profile landlords can trust before you arrive.

Student loans don't dominate here

Settl runs a soft pull (VantageScore 4.0), no score impact. Your student loan balances do not define your verification. What matters most is your income today.

No cosigner needed

Many landlords ask new grads for a parent co-signer. Settl Verified Passport often removes that requirement entirely by showing verified income and identity upfront.

Verified rent ceiling

Income confirmed from your bank. Shown as max rent you qualify for.

Identity verified

Government ID + liveness check. Instant confirmation you are who you say you are.

Settl Verified Passport

Verification based on income, identity, stability, and a soft pull credit check. Thin credit is not a barrier.

I just started my job 3 months ago. Can Settl still verify my income?

Yes. Settl detects direct deposits and recurring income from your bank transactions. Even 2–3 months of consistent deposits is enough to confirm your income level. We look at what you earn right now, not what you earned last year.

My credit score is thin because I never had a credit card. Will that hurt me?

Settl runs a soft pull credit check (zero score impact). If your file is thin, it is noted rather than penalized. We weight your verified income, identity, and bank-confirmed financial stability heavily. A thin credit file does not block verification.

I'm moving from another city and can't tour apartments in person. How does Settl help?

Landlords can view your fully verified Settl profile online before you arrive. Your income, identity, and Settl Verified Passport are all confirmed, giving landlords the confidence to approve remote applicants.

Do I need my parents to co-sign?

Many landlords require a co-signer for applicants without rental history. A strong Settl Verified Passport with verified income often eliminates that requirement. If a co-signer is still needed, Settl supports adding one to your Household Report for $99.

What if my income is partly from side gigs or freelance?

Settl works with any income that shows up as bank deposits. Employment, freelance, gig work, or a mix. We look at your actual cash flow over the last 12 months, not just a W-2.