The whole application on page one
Every report opens with four meters: the PropTx Score, the credit score, rent to gross income and monthly debt. Under them sit the applicant's details and the home they're applying for. The six pages after it hold the evidence.
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PropTx Score
Great · Out of 100
Summary based on credit & background check results
Credit Score
Great · Out of 900
Sourced from
Rent to Gross Income
Great
Monthly rent as a % of monthly household income
Monthly Debt
Great
Total monthly interest payment
Applicant's Information
First Name
Tim
Middle Name
Last Name
Brook
Date of Birth
1st-March-1995
Driver License Number
D6***-****-***05
Phone
416-555-0142
applicant@example.com
Applying For
Address
6021 Yonge St, North York, ON M2M 3W2
Length of Stay
3 Years
Price
$2,500 /month
Landlord Name
Dana Whitfield
Landlord Email
dana@example.com
Landlord Phone
(416) 555-0198
Reason for Stay
Closer to work, with a second bedroom for a home office.
Specimen report. Fictional applicant.
What you see in the report
PropTx Score
Great · Out of 100
Summary based on credit & background check results
Credit Score
Great · Out of 900
Sourced from
Rent to Gross Income
Great
Monthly rent as a % of monthly household income
Monthly Debt
Great
Total monthly interest payment
01 PropTx Score
A summary out of 100, based on the credit and background check results, as the line under the meter says. It's the figure to read first; the pages behind it show what went into it.
02 Credit Score
The applicant's score out of 900 from a soft credit check, with the bureau named underneath. The arc is cut at the report's bands: Fair from 500, Good from 650, Great from 700 and Excellent from 850.
03 Rent to Gross Income
Monthly rent as a share of monthly household income. It's context to set beside the income pages, not a threshold to screen on. The decision stays with you.
04 Monthly Debt
Labelled Total monthly interest payment: what the applicant's debts cost them each month. The Debt Summary on the credit pages lists monthly payments by type of credit.
05 Band
The word under each figure places it on its meter's scale, and the two scores carry their range beside it. Read it with the figure, never in place of it.
Applicant's Information
First Name
Tim
Middle Name
Last Name
Brook
Date of Birth
1st-March-1995
Driver License Number
D6***-****-***05
Phone
416-555-0142
applicant@example.com
06 First Name, Middle Name, Last Name
The applicant's legal name as entered on the application. The identity section checks the name on their ID against it and against the bank account.
07 Date of Birth
As the applicant entered it. Check it against the ID on the identity page if anything about the file feels off.
08 Driver License Number
Printed masked, with only the first two and last two characters showing.
09 Phone and Email
How to reach the applicant. They are also the contact details to compare against any landlord reference later in the report.
Applying For
Address
6021 Yonge St, North York, ON M2M 3W2
Length of Stay
3 Years
Price
$2,500 /month
Landlord Name
Dana Whitfield
Landlord Email
dana@example.com
Landlord Phone
(416) 555-0198
Reason for Stay
Closer to work, with a second bedroom for a home office.
10 Address
The home the applicant is applying for. Check it against your listing before you read anything else: a report run for another unit tells you so here.
11 Length of Stay
How long the applicant plans to stay in the home, as they entered it.
12 Price
The monthly rent for the home being applied for, as the applicant entered it.
13 Landlord Name, Email, Phone
The landlord of the home being applied for, with their email and phone, so anyone reading the report knows whose unit it is.
14 Reason for Stay
The applicant's own words on why they're moving. A short answer is normal; it gives you something to open a conversation with.
How page one comes together
The applicant fills in the application
Their name, date of birth, licence number and contact details, and the address, price and landlord of the home, print as they were entered.
Applying for · specimen
- Address
- 6021 Yonge St
- Price
- $2,500 /month
- Length of Stay
- 3 Years
The checks run
A soft credit check with the credit bureau and the background record search run alongside the identity, income and reference checks. The PropTx Score is based on the credit and background results.
Feeds the PropTx Score
- Credit checkComplete
- Background checksComplete
The summary prints first
The four meters sit at the top of page one, with the details beneath. The six pages after it carry the income, background, identity, references and credit behind each figure.
Page 1 of 7- Score
- 97
- Credit
- 778
- Rent
- 9%
- Debt
- $613
Specimen
What it catches
A weak or troubled credit file
The credit score and its band show it first. Past-due amounts and late payments behind it are listed on the credit pages.
In the reportCredit Score
Records in the background search
The PropTx Score is based on the credit and background results, so a record found in the search is reflected in the summary as well as listed on its own page.
In the reportPropTx Score
An application built from uploads
When the applicant uploads documents instead of connecting payroll or a bank account, the report carries a 30% lower PropTx Score.
In the reportPropTx Score
Debt payments that are already high
The total monthly payment on the applicant's debts sits on page one, so it's in view before you reach the income pages.
In the reportMonthly Debt
A report run for another unit
The address, price and landlord print as the applicant entered them. If they don't match your listing, the file wasn't made for this home.
In the reportApplying For · Address
A name that doesn't hold up
The name on page one is the one the applicant typed. The identity section checks it against the ID and the bank account.
In the reportApplicant's Information · Name/ID Match
FAQ
Questions about the score
A summary out of 100, based on the applicant's credit and background check results. It is the first meter on page one of every report, beside the credit score, rent to gross income and monthly debt.
No. The credit score has its own meter, out of 900, from a soft credit check with the credit bureau. The PropTx Score is out of 100 and summarises the credit and background check results together.
Yes. If the applicant can't connect payroll or a bank account, they can upload documents instead. Uploads go through fraud detection, and the report carries a 30% lower PropTx Score.
No. The meter shows monthly rent as a share of monthly household income, as context beside the other figures. It isn't a cut-off; the decision stays with you.
No. It is a soft credit check, with no impact on the applicant's credit score.
From the application. The applicant enters their name, date of birth, licence number and contact details, and the address, price and landlord of the home they're applying for.
Start every file on page one
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