This is a working walk-through of the VFIntel experience. A renter proves identity, connects finances, chooses insurance, and pays rent, premium and utilities in one place. That single record then answers the question every landlord, insurer and lender asks about a stranger: is this a real person, can they afford it, are they covered, do they pay on time.
Trust is the precondition. Intelligence is the output.
Verify identity, connect a bank, get a portable Verified Renter card, choose insurance, and pay rent, premium and utilities as one bill.
An inbox of verified applicants with the conclusions a manager needs, and a hard boundary around the data they do not see.
For the owner with no property system, one screen that answers real, affordable, insured, so an application can be approved with confidence.
The whole book in one place, with early lapse-risk signals, without the broker ever holding the renter's banking data.
Policies bound on verified facts rather than self-reported ones, with a payment-behavior signal that supports a better combined ratio.
Reach renters whose rent and utility payments build a thicker file, and monitor customers already extended credit, on consented signals.
Today a manager chases pay stubs, bank screenshots and references, any of which can be faked, then guesses. Here every applicant arrives verified, so the inbox is a like-for-like comparison of real, affordable and insured.
The consequence: fraudulent and unaffordable applicants are filtered before they reach a lease, and the manager who trusts a stranger less has to trust the record more.
A small landlord cannot run a fraud check or pull a credit file, so they rely on gut feel and lose sleep over it. Here the applicant hands over a card that already answers the four questions that matter, in plain language.
The consequence: the landlord who is most exposed to a bad tenant, and least equipped to screen one, gets the same protection a large manager has, with one tap and no licence.
| Policy | Carrier | Status | Premium | Paid | Signal |
|---|---|---|---|---|---|
| VF-88231 · Toronto ON | Carrier One | Active | $23.50/mo | Jul 1 ✓ | Stable |
| VF-88198 · Regina SK | Carrier One | Active | $19.25/mo | Jul 1 ✓ | Stable |
| VF-87914 · Ottawa ON | Carrier Two | Renewal due | $26.75/mo | Jul 1 ✓ | Stable |
| VF-87621 · Toronto ON | Carrier One | Active | $24.10/mo | Jul 3 ✓ | Lapse risk ▲ |
The monitoring view is read-only and scoped to the broker's book. Premium status, the renewal pipeline and lapse-risk flags arrive as derived signals, so the broker gets the early-warning value without touching protected banking records.
The consequence: retention rises because at-risk policies are caught early, and the broker carries no new data-security burden to get there.
Most tenant policies are priced on what an applicant enters on a form. Here identity is verified and the unit facts come straight from the property system, so the submission arrives complete and accurate, and a payment-behavior signal helps anticipate lapse.
The consequence: a modeled path from a traditional combined ratio toward a lower VFIntel-enabled one, driven by fewer bad inputs and steadier premium collection on the rent rail.
| Consented renter | Rent history | Utility history | Payment record | File status |
|---|---|---|---|---|
| Segment A · ON | 24 mo | 24 mo | On-time | Thin → thick |
| Segment B · SK | 18 mo | 18 mo | On-time | Thin → thick |
| Segment C · ON | 30 mo | 30 mo | On-time | Established |
| Existing credit customer | Rent | Hydro | Internet | Ongoing signal |
|---|---|---|---|---|
| Account ···4471 | On-time | On-time | On-time | Stable |
| Account ···2210 | On-time | On-time | On-time | Stable |
| Account ···9083 | Late 4d | On-time | On-time | Watch ▲ |
Rent and utility payments are the largest bills most people pay and the ones that historically built no credit. Flowing through VFIntel, they build a file. That does two things for a lender: it surfaces pre-qualified new customers, and it gives an early-stress signal on customers already on the books.
The consequence: a lender reaches thin-file renters it could not underwrite before, and watches its existing book with a signal that leads a missed payment rather than trails it.