Guide
Every certificate sums up a renter's finances in one trust score and five category scores. Here's what each one measures, and what to do when one looks low.
This is a sample certificate with fixed example data. Click any category below to see what it measures, where the data comes from, and how to read a high, middling, or low score.
How stable and durable the renter's job situation is: how long they've been with their current employer, and how secure their contract type is. A renter who could lose their income easily is a bigger risk for a landlord, even if their current pay is good.
From uploaded documents: the renter's employment contract. From a bank connection: the same contract data, cross-checked against salary deposits seen directly in their bank account.
How stable and durable the renter's job situation is: how long they've been with their current employer, and how secure their contract type is. A renter who could lose their income easily is a bigger risk for a landlord, even if their current pay is good.
From uploaded documents: the renter's employment contract. From a bank connection: the same contract data, cross-checked against salary deposits seen directly in their bank account.
How consistent the renter's income is from month to month, and how confidently that number could be verified. This is about certainty, not just the amount: a modest income that's fully verified scores higher than a larger one we can't confirm.
From uploaded documents: the renter's recent paychecks, or an estimate calculated from their employment contract's gross salary. From a bank connection: 12 months of salary deposits observed directly in their bank account.
Whether the monthly rent is a reasonable share of the renter's net income. It's the most direct measure of whether they can actually afford this specific property, and it acts as a hard limit on approval, whatever the other four categories score.
Calculated from the renter's verified net income (paycheck, contract estimate, or bank deposits) and the rental price entered for this certificate.
Whether the renter keeps a healthy financial buffer: enough balance in their account, relative to the rent, to absorb a bad month without missing a payment.
From uploaded documents: bank statement PDFs, which give limited insight into balance alone. From a bank connection: 12 months of account balance history and any overdraft events.
The renter's track record of paying rent on time in the past, the strongest single sign that they'll keep paying on time.
Only available with a bank connection: 12 months of transaction history showing past rent payments and any late payments. Not available from uploaded documents alone, which is why some certificates show a dash for this category.
The trust score combines the five category scores into one number from 0 to 100. Categories backed by stronger data, like a live bank connection, count more than those based on documents or estimates, and a category that couldn't be assessed is left out of the calculation rather than penalised. It isn't a simple average: affordability acts as a hard gate, so a very low affordability score can block approval even if the other four categories look strong.
Payment behaviour can only be measured with a bank connection, since it needs 12 months of transaction history to check whether past rent was paid on time. Certificates built from documents alone show no score for this category, and the trust score is calculated only from the categories that could be assessed.
The tier reflects how much of the score is backed by directly verified data. Gold ("Fully verified") means every category was assessed through a live bank connection. Silver ("Substantially verified") and Bronze ("Partially verified") are built from uploaded documents like paychecks and employment contracts, with fewer categories assessed and lower confidence in the numbers.
Categories don't all carry the same weight, and categories backed by stronger data count more than ones based on estimates or documents. Affordability also acts as a hard gate on its own: if rent is unaffordable relative to income, the certificate can't be approved no matter how the other four categories score.
Yes. A low score usually reflects incomplete data more than the renter's real situation. Some categories, such as employment stability, improve with time in the job.