The Trust Score: Explained For Landlords And Renters

The Trust Score is an intelligent rating system designed to establish a renter’s reliability and credibility when applying for places on the liv.rent platform. For renters, it’s an essential part of the Renter Resume to help rental applications stand out among other renters. For landlords, it is a crucial tool used to screen tenants efficiently. Using AI and a powerful algorithm that corroborates submitted tenant information, the Trust Score gives landlords a more secure and accurate measure of a prospective tenant’s suitability, thus simplifying their selection process.

As part of our continuous and concerted efforts to improve the liv.rent experience, we have recently enhanced this feature to work better for all our users – both landlords and renters.


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What is a Trust Score?

The Trust Score is an intelligent rating system designed to establish a renter’s reliability and credibility when applying for places on the liv.rent platform. For renters, it’s an essential part of the Renter Resume to help rental applications stand out among other renters. For landlords, it is a crucial tool used to screen tenants efficiently. Using Equifax® credit reports and a powerful AI algorithm that corroborates submitted tenant information, the Trust Score gives landlords a more secure and accurate measure of a prospective tenant’s suitability, thus simplifying their selection process.


How does the Trust Score work?

The Trust Score is broken down into four components meant to give landlords an impression of a renter’s financial history and Trustworthiness as they relate to renting. This information is presented on a scale of 100, with 80 points coming from a renter’s Credit Report, and the remaining 20 from their Trustworthiness.

Here’s a quick breakdown of how we calculate the Trust Score and where information comes from:

  • A credit check is conducted by Equifax and provides a comprehensive picture of your financial credibility based on payment history, credit utilization, bankruptcy indicators, etc.
  • The algorithm analyzes your profile, corroborating the details you provided with your public LinkedIn profile, photo ID, references etc. to determine your trustworthiness.
  • liv.rent also automatically scans publicly available documents to gather any Court Records that may exist for a renter.

What does the Trust Score rating mean?

The Trust Score is presented to landlords on a scale of 100, with an intelligent Rating assigned for each range. Consult the table below for an overview of what each range means, and how it’s perceived by landlords.

Trust ScoreRatingRenter
86-100ExcellentAlmost perfect!  You have an exemplary financial record and are trustworthy.
71-85Very GoodA good bet! Despite 1-2 missed payments in your past, you are reliable, credible and financially stable.
51-70AverageLooking pretty good!  You’ve missed 2-3 payments and/or you’re using some of your credit allowance. Also, the information you provided only partially matches information on LinkedIn, Equifax etc. Landlord will likely request more information.
<50PoorNeeds improvement! You haven’t provided enough information. If you want a shot at this, you’ll need to give the landlord additional documents (i.e. photo ID) and solid references.

How can landlords use the Trust Score?

Landlords will now be able to gain a more comprehensive picture of prospective tenants. With any renters that apply to their listings, landlords will be able to see:

  • The number of accounts checked to qualify their payment record
  • Collections record
  • Bankruptcy index
  • Credit utilization

In addition, their trustworthiness score will reveal:

  • Which piece of ID they used for Identification Verification
  • Income Verification and Employment Verification – separate verifications that can be attained by the following documents:
    • T4
    • Pay stub
    • Employment letter

Tenant viability and reliability is further confirmed by:

  • Income-to-rent ratio
  • Court record verification (where applicable)

Note: landlords are able to see all submitted tenant documents except for the picture ID, selfie, and Equifax report. However, as stated above, landlords will be able to see which documents were submitted for verification. Landlords will only be able to see this additional information when a renter applies to their listing.


How can renters use the Trust Score?

The Trust Score is an essential part of your rental resume, and helps you stand out when applying for rentals. The information you provide allows landlords to get a sense of your rental experience, financial history, and more at a glance, making it easier to build trust between parties.

Renters can choose from the following list of acceptable documents when verifying their income:

  • Tax slips
  • Bank statements
  • Job offer letter
  • Letter of employment
  • Payslip
  • Student loan financial statements

To verify their identity renters can upload any of the following:

  • Drivers license
  • Passport
  • Canadian citizenship card
  • Permanent resident card
  • Selfie – this is to ensure that the submitted ID belongs to the person uploading the information
  • Any other government-issued photo identification

Identification that is not accepted for ID Verification:

  • Student ID
  • Employee ID
  • Library cards

What can renters do to improve their Trust Score?

There are a few steps a renter can take to boost their score, enhance their profile and improve their standing with landlords.

  • Complete your profile. The more complete it is, the more likely a landlord is to prioritize an application. PRO TIP: According to liv.rent research, 88% of responded landlords say they prioritize completed applications.
  • Connect your profile to your LinkedIn account
  • Upload other financial documentation like pay stubs, letters of employment, etc.
  • Upload government-issued picture ID.
  • If you’re just starting out as a renter or are new to Canada, they should start building a good credit profile.
  • Get a mobile phone under their own name (not parents or spouse).
  • Secure different types of credit. Credit bureaus love looking at different sources of credit when determining credit scores.
  • To avoid missed payments set up automatic payments so it doesn’t happen again.

For more on how to improve your Trust Score, check out our complete post on the topic here.


Is your personal information secure?

Picture ID and Equifax report are temporarily stored while the Trust Score is generated. Once verified, both are immediately and securely destroyed from our servers. Throughout the entire process, landlords will never receive or be able to view a tenant’s uploaded ID or Equifax report.

For more information, please refer to our Privacy Policy.

Ready to experience an easier way to rent? Take advantage of the Trust Score and other amazing features available on liv.rent and sign up here.



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Kristina Ikavalko

Kristina Ikavalko

Creative Content Creator at liv.rent

Creative Content Creator for liv.rent, based in Vancouver. [Read Full Bio]

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