A score tells you a number. A decision file tells you what to do — and stands behind you if the decision is challenged.
Pay stubs are documents, and documents get edited. We verify income against the applicant's actual bank activity — with their consent, through a secure, read-only bank link — so the number on the application is the number in the account.
Application fraud in Ontario rentals, 2022 → 2025.
Rent Panda via CBC News — Ontario data
Government-ID verification and fraud checks on every application — so the person applying is the person moving in.
The applicant links their bank through a secure, read-only connection. Income is verified against actual deposits — included in every screen, not an add-on.
A full TransUnion credit report and score, pulled as a soft inquiry with no impact on the applicant's score. Results in 24 hours.
Students and newcomers aren't dead ends. Guarantor income counts at an 80% haircut with a 650 credit floor, scored into one household file with a TDS affordability check.
This file. When you decline, an adverse-action notice is generated and sent for you automatically. Every consent is ledgered, and every step lands in an append-only audit log. You made a documented decision on verified data — and you can show it.
Single screen — everything included
$29.99