Verify with confidence.
Decide with a record.
Run background, identity, and income checks on your own SmartLord page, never a third-party invite. Every report is FCRA-compliant and fully documented, so the decision holds up.
SSN and consent collected on your secure page. Encrypted end to end.
Screening report
Sarah Jenkins
Know who you are renting to.
The applicant verifies their identity and consents on your own secure SmartLord page, not a third-party invite. We confirm the ID, then pull criminal and eviction history through a compliant screening provider.
- SSN and ID verification, with consent captured and stored.
- National criminal and eviction history from a compliant source.
- Sensitive data encrypted, never shown in full once collected.
Identity & records
Income & employment
Verified income
$7,200 / mo
Rent
$2,100 / mo
Employer and deposits verified through a bank-grade provider.
Proof they can actually pay.
Bank-grade income and employment verification, normalized into a clean income-to-rent ratio. No more squinting at blurry pay-stub photos or guessing whether the math works.
Set your own rule, like 3x rent, and every applicant is measured against it the same way.
Approved? Draft the leaseIf you decline, decline correctly.
When a report leads to a no, the FCRA requires a specific notice with specific information. SmartLord drafts the adverse-action notice for you, attaches the reasons and the screening agency details, and logs that it was sent.
- Notice drafted with the required reasons and agency disclosures.
- Timestamped and stored, so you can prove the process if asked.
Adverse-action notice
Drafted for you
Dear applicant, after review we are unable to approve your application at this time. This decision was based in part on information in a consumer report from:
National Screening Partner, Inc.
You have the right to a free copy of your report and to dispute its accuracy.
Compliant by design
Screening is sensitive. Every step is built to keep you on the right side of the line.
Consent captured
Written consent stored before any report runs.
Self-hosted SSN page
Applicants enter SSN on your secure page, not an outside invite.
FCRA-compliant reports
Pulled through a compliant consumer-reporting provider.
Full audit trail
Consent, report, and notices logged and timestamped.
SmartLord helps you follow the FCRA but does not provide legal advice. Screening rules vary by state and city. Consult a licensed attorney for your situation.
Three steps to a defensible decision
You stay in control, and everything is on the record.
Applicant consents
They verify ID and enter SSN on your secure SmartLord page, and consent is captured.
Reports run
Background, eviction, and income reports pull from a compliant provider.
You decide, on the record
Approve or decline. If you decline, the adverse-action notice is ready to send.
Questions, answered
Does the applicant get sent to a third-party site?
No. The applicant verifies identity, enters SSN, and gives consent on your own secure SmartLord page. We then run the reports directly. There is no outside hosted invitation to chase.
What does a screening report include?
Identity verification, national criminal and eviction history, and bank-grade income and employment verification, summarized into a clean income-to-rent ratio and a clear pass or flag on each section.
Is it FCRA-compliant?
Reports are pulled through a compliant consumer-reporting provider, consent is captured before any report runs, and adverse-action notices are drafted for you. It is built to keep you compliant, but it is not legal advice.
Who pays for screening?
You decide. You can absorb the cost or pass the screening fee to the applicant, within your state's limits. You only pay when a report actually runs.
Screen with confidence.
Verify identity, background, and income on your own secure page, and keep a record that holds up. Start free.
Screen an applicantFree to start. Pay only when a report runs.