Our report provides detailed insights across several key areas, including:
✅ Core Components of the SingleKey Report (Sample Report)
Full Equifax Credit Report: Gain access to a complete credit file, including:
Credit score
Debt summary
Tradelines
Monthly debt obligations
Bankruptcies, collections, and miscellaneous items
Local and foreign credit inquiries. This information comes directly from Equifax, using strict matching criteria to ensure accuracy of financial data.
2. Public Record Search Our system scans databases across 200+ countries to uncover:
Court decisions
Criminal records
Bankruptcy filings
Other publicly available legal information. Note that these automated scans may occasionally return results for individuals with similar names.
3. Social Media Scan We conduct a high-level social media analysis to identify any red flags or inconsistencies with the applicant's profile.
📊 Additional Insights and Metrics
Alongside core financial and legal data, the report includes:
Rent-to-Income Ratio – Evaluates whether the applicant can comfortably afford the rent
Applicant Overview – Summarizes all essential details in one snapshot
Credit Overview – Outlines the applicant's creditworthiness and financial behaviour
Public Record Overview – Summarizes any matches in public databases
Metrics and QR Verification – Provides fast, scannable verification of the report
🏠 Tenant Profile Information
The report also includes the applicant's:
Personal details
Address and previous address history
Employment status and employer details
Income and debt overview
Co-signer or guarantor information (if applicable)
List of occupants
Vehicle ownership
Pet details
📎 Additional Documents (Optional Uploads)
When sending the application invitation, you have the option to request that tenants upload supporting documentation, such as:
Government-issued photo ID
Proof of employment (e.g., pay stubs or employment letter)
Employment and landlord references
Photos of pets
Personal message from the tenant
✅ Applicant Consent & Verification
To maintain transparency and legal compliance, every "Selfe Serve" report includes documented applicant consent, ensuring all collected data is authorized and secure.
🔍 Understanding and Addressing Report Inaccuracies
While SingleKey strives for accuracy in all reports, understanding the different components can help you properly interpret the information:
Equifax Credit Check – Relies on direct matching with the applicant's Equifax file, minimizing the likelihood of mismatches.
Public Record Background Check – Uses automated scans that may occasionally include data from individuals with similar names.
If you notice inconsistencies, discuss concerns with the tenant and conduct appropriate due diligence.
📝 Disputing Credit Report Inaccuracies
If you believe the credit report contains inaccurate information, you can file a dispute directly with Equifax:
Visit Equifax's dispute page.
Provide necessary documentation explaining the error.
Wait for Equifax to review and resolve your request. For the most reliable tenant screening process, we recommend reviewing the entire report carefully and discussing any concerns directly with the applicant.