Tenantgrade

Housing applicants and landlords can exchange payment records, references and public-record information during screening, but algorithmic scoring and unverified reputation data can create discrimination and error. The supplied research confirms a conventional consumer-report product, a live disparate-impact case involving algorithmic tenant screening, written-consent requirements for consumer reports and fair-housing guidance applying to AI. It found no reviewed tenant-controlled evidence wallet packaged for leasing systems.

Tenantgrade should reject the reputation-grade premise. It would preserve application purpose, applicant consent and revocation, source identity, account or payment record selected by the applicant, landlord-reference request, both parties' consent, exact reference assertion, court-record candidate, entity match, disposition, age, jurisdiction, dispute, correction, reviewer finding and use log. The applicant could see, correct and selectively share evidence.

Volunteered data does not remove consumer-report, privacy, adverse-action or fair-housing obligations. Payment history can reveal protected or sensitive circumstances. Prior-landlord references can encode retaliation, bias or unsupported opinion. Court records can be sealed, expunged, outdated or matched to the wrong person. No score or model can make this evidence safe for housing decisions, and consent does not cure disparate impact.

The pilot should be applicant-controlled and advisory, with no recommendation, ranking, automated eligibility or decision. Bank connection capability is unverified in the input and cannot be assumed. Housing providers need qualified review, consistent criteria, individualized assessment where required and complete adverse-action processes outside the product. The buyer hypothesis is a housing applicant service, property manager or leasing platform seeking correctable evidence exchange; jurisdiction, property class, screening policy, budget and existing reporting provider need validation.

A housing applicant service, property manager or leasing platform seeking purpose-bound, correctable evidence exchange without automated tenant scoring.