Screen Applicants Lease Confidently.
See LeaseDefend™ in Action
Watch how landlords and property managers use LeaseDefend™ to screen applicants beyond credit scores.
Why Credit Scores Aren't Enough
A three-digit number can't tell you if someone pays rent on time, budgets responsibly, or keeps the lights on.
No Rent Tracking
Credit scores don't include rental payment history — the single most relevant data point.
No Utility Data
Whether a tenant consistently pays electric, water, and gas is completely invisible.
No Budget Insight
Spending habits, savings buffer, and discretionary income are all missing from credit reports.
No Pattern Analysis
Credit reports are static snapshots. They don't analyze behavioral trends over time.
What You Get
Every LeaseWorthy™ Score report includes four powerful sections — giving you the full financial picture.
LeaseWorthy™ Score (0–100)
A single risk number that combines income stability, payment consistency, and savings buffer into one actionable score. No more guessing — just data.
Rent-Contextual: Unlike generic credit scores, the LeaseWorthy™ Score dynamically adjusts to the exact proposed rent of your unit. This provides a customized risk metric showing how comfortably the applicant's verified income and liquid savings can support your specific property's lease.
Utility Frequency Report
See which bills each applicant is paying, how often, and their consistency rating. Electric, water, gas, internet, insurance — all verified from bank data.
Budgeting Profile
See each applicant's spending classification, discretionary buffer percentage, and how many months of rent their savings can cover.
Nationwide Eviction & Criminal Screening
Clean background check across all 50 states. We check court eviction records, past lawsuits, over 500 million criminal files, and sex offender lists so you can rent with confidence.
Traditional Screening vs. LeaseDefend
Why modern landlords pick real bank proof of income and bills instead of outdated credit bureau debt scores.
| What Gets Checked | Traditional Screening | The LeaseDefend Standard |
|---|---|---|
| Income & Paycheck Proof | Self-reported PDFs and paystubs (easily forged) | Direct bank connection proving true account ownership |
| How Tenants Are Scored | Legacy debt score (penalizes student/medical debt) | LeaseWorthy™ Score based on real cash flow and bills |
| Utility Bill History | Zero visibility into monthly household bills | 6–24 months verified utility payment track record |
| Civil Eviction History | Often missing recent court cases or costly add-on | Nationwide 50-state court filings, writs & judgments |
| Criminal Background Check | Slow county searches that can miss important records | 500M+ real-time records + Sex Offender & OFAC |
| Cost to Landlord | $45–$55 per screening or monthly software fees | 100% Free for landlords (or 1-click sponsor) |
Built for Landlords in Tenant-Friendly States
Renting in New York, California, Massachusetts, Washington, or Illinois? Don't let strict fee caps, application bans, or local screening ordinances expose you to civil penalties.
Automated Fee Caps & Split-Pay
In states like New York (hard $20 cap under NY RPL § 238-a) and Wisconsin ($25 credit check cap), LeaseDefend automatically caps the tenant's fee and offers seamless Split-Pay so you stay fully compliant.
Municipal Fair Chance Shields
Operating in Seattle (SMC 14.09 Fair Chance Housing) or Cook County, IL? Our platform automatically restricts prohibited criminal searches and enforces financial-first screening to keep you legally safe.
Eviction Blacklist Protection
Under NY Real Property Law § 227-f, rejecting applicants based on housing court records carries severe Attorney General fines. Our bank-verified cash flow screening verifies true ability to pay safely.
Legal Compliance Note: LeaseDefend provides intelligent regulatory automation tools based on official state and municipal statutes to help housing providers operate compliantly. These features do not constitute formal legal counsel. Housing providers should always verify applicable local ordinances.
Privacy-First Design
You see behavioral patterns, not individual purchases. Raw transaction data is never exposed — only aggregated classifications, consistency scores, and risk metrics. This protects both tenants and your compliance obligations.
See Exactly What You'll Get
Explore an interactive sample LeaseWorthy™ Score report with real-world data. See the score breakdown, utility report, and budgeting profile — all in one view.
View Sample ReportFlexible Pricing Models
LeaseDefend™ fits directly into your existing workflow. You call the shots on how screening reports are paid:
1. Tenant-Paid Option
Send a screening link and the applicant pays the report fee directly during onboarding. 100% free for you.
2. Buy Prepaid Packs
Purchase report credits in bulk packages at discounted rates. Hand out credits to applicants so they can link their bank account for free.
3. Vetting Markup Fee
Pay for reports upfront under your manager dashboard and bundle it into your own custom, comprehensive background screening application fee.
Portfolio Volume Plans
Portfolio Volume Report Bundles
Screening multiple doors or managing a large applicant pipeline? Purchase prepaid screening bundles in bulk with volume discounting, flexible team allocation, and priority support.
Ready to Screen Smarter?
Stop relying on credit scores alone. Get the complete financial picture for every applicant.
Start Screening Tenants