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🇺🇸 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 — account for 80% of the score.

Document Evidence

45%

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

Verified Income & Rent Ratio

15%

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

Background Check

10%

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

Identity Verification

10%

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

5%

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

References & Conduct

5%

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

Lifestyle Disclosure

5%

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

Lease Commitment

5%

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