🇺🇸 United States — Adapted scoring

The US rental credit score

A transparent 300–900 score backed by document evidence, identity verification, and a national background check. Tenants and landlords both build a portable score that travels with them across all 50 states.

Sample tenant score

742

Good

Range: 300 – 900

How we score tenants in the US

Eight weighted factors. The first four — backed by uploaded documents and verified APIs — carry the most weight.

Document Evidence

Bank statement, pay stub, and background-check report — OCR-validated against your verified name and DOB.

Verified Income & Rent Ratio

Income-to-rent ratio (3× rent benchmark), credited only when backed by a verified bank statement, W-2, or pay stub.

Background Check

National background screening through an authorized US screening partner. Clean record earns full marks.

Identity Verification

Government ID (driver's license, state ID, or passport) + live face match + DOB cross-check. SSN-last-4 used for identity binding only.

Rent Payment History

On-time payment tenure. Self-declared with the option to import from prior US landlords on HamroRentals.

References & Conduct

Previous-landlord reference and neighbor rating. Self-declared — light weight only.

Lifestyle Disclosure

Smoking, pets, parties, music. Self-declared — light weight only.

Lease Commitment

Willingness to commit and intended length of stay. Self-declared — light weight only.

Score bands

Same 300–900 scale you'd recognise from a US credit bureau — but built for renting, not borrowing.

Excellent

Top-tier applicant. Verified income, clean background, strong references.

800 – 900

Good

Solid renter. Verified identity, healthy income-to-rent ratio.

700 – 799

Fair

Eligible but mixed signals — some documents missing or thin history.

600 – 699

Poor

Weak documentation, late-payment history, or unverified income.

500 – 599

Very Poor

Major red flags. Most landlords will require a co-signer or pass.

300 – 499

Landlords get a score too

HamroRentals is two-way. US landlords build their own public reputation score based on ownership proof, fairness, and how previous tenants rate their stay.

What earns landlords points

• Verified property ownership (deed or HUD-1 / closing disclosure)
• Years as a US landlord and unit count
• Fair-housing compliant policies on pets, families, and lease length
• Government-ID verification + live face match
• Tenant-rated track record (on-time deposits, repairs, move-out)
• Written break-penalty terms in the digital lease

Why it matters for tenants

US tenants can see a landlord's score and review history before applying or paying any fee. No more guessing whether a listing is legitimate, whether deposits come back, or whether the landlord actually owns the property.

Browse verified US listings

How the US score differs from the Nepal score. The Nepal version weighs Lalpurja (property title) and Nepal Police clearance. The US version replaces those with deed / closing-disclosure proof of ownership and a national background check through an authorized US screening partner. Income is verified through pay stubs, W-2s, or bank statements rather than Nepali remittance / business registration. SSN-last-4 is used only for identity binding — never stored in full and never shared with landlords.

Want to see the Nepal scoring formula and interactive calculator? Switch to HamroRentals Nepal