LandlordEzy AI recommendation
Strong applicant — Approve
Verified identity · 742 Equifax score · comfortable affordability · clean public record.
AI risk score: 12 / 100 · Low
AI summary of the full screening Strong
Our AI reads the entire scan — the Equifax credit report, the bank-statement analysis, every proof-of-income document, the identity check and LTB history — and writes a plain-English summary so you can decide in seconds. No other Canadian screening tool does this.
Jordan presents as a strong applicant: a Very Good Equifax score of 742 with all accounts paying as agreed, and bank statements showing ~$6,200/mo income against ~$2,300 in monthly obligations — a healthy ~3.8× income-to-rent cushion with no NSF activity.
Strengths
- 742 Equifax (Very good); 10+ year history
- Bank-verified income, ~$2,700/mo surplus
- ID verified; no judgments or evictions
Watch-items
- One card 30 days late once in 24 months
- One revolving account near its limit
AI-generated from the full screening to help your review — it's context for your decision, not a decision or financial advice.
✓ Government ID verified High confidence
Government ID checked by AI for authenticity, with the name and date of birth matched to the application. The ID is attached to the full report.
DocumentOntario driver's licence (valid)
Name & DOB matchVerified ✓
Document authenticityPass
Equifax credit report ● Equifax Canada
Soft inquiry — the applicant's credit score is never affected. Equifax retains up to 24 months of payment history, ~2 years of inquiries, and 7–10 years of public records.
742Very good300–900
Score factors (Equifax reason codes)
- ✓Length of revolving credit history is favourable
- ✓No recent delinquencies on file
- •Proportion of balance to limit on one revolving account
- •One payment reported 30 days late in the last 24 months
Personal information on file
Full nameJordan Andrew Bell
Date of birth14 / 0X / 1990
SINXXX XX1 234 (used, not stored)
Current address24 Maple Cres, Sudbury ON
Previous address812 Lansing Ave, Sudbury ON
Employment on fileVale Canada Ltd. — 4 yrs
Credit summary
$380,500
Total limits / high credit
$2,355
Monthly debt payments
Credit accounts & payment history
Every tradeline Equifax holds, with up to 24 months of payment ratings per account.
TD Canada Trust Mortgage · Real estate / secured
Paying as agreed
OpenedMar 2019
Balance$268,450
High credit$312,000
Monthly payment$1,685
Payment history — last 24 months (newest → oldest)
OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
Scotiabank Auto loan · Installment / secured
Paying as agreed
OpenedJun 2023
Balance$19,120
High credit$34,000
Monthly payment$545
Payment history — last 24 months (newest → oldest)
OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
RBC Visa Credit card · Revolving
Paying as agreed
OpenedSep 2016
Balance$1,640
Credit limit$12,000
Monthly payment$75
Payment history — last 24 months (newest → oldest)
OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK30OK
Tangerine Mastercard Credit card · Revolving
Paying as agreed
OpenedJan 2021
Balance$410
Credit limit$7,500
Monthly payment$50
Payment history — last 24 months (newest → oldest)
OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
Desjardins LOC Line of credit · Revolving / unsecured
Open · paid
OpenedNov 2020
Balance$0
Credit limit$15,000
Monthly payment—
Payment history — last 24 months (newest → oldest)
OKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOKOK
Legend:
OK paid on time ·
30 30 days ·
60 60 days ·
90 90+ days late
Public records & legal judgments
Bankruptcies, consumer proposals, court judgments, liens and other registered legal items (7–10 years).
✓ None on file — no bankruptcies, consumer proposals, judgments or liens found.
When present, each item shows the type, court/creditor, amount, filing date and status (e.g. “Satisfied”).
Collections
✓ No collection accounts reported.
Credit inquiries
Who has requested this credit file recently.
- LandlordEzy — tenant screening (soft)Jun 12, 2026
- Scotiabank — auto loan (hard)Jun 2023
- Rogers Communications (hard)Feb 2022
AI bank-statement analysis
3 months of statements read by AI. Every dollar figure is a monthly average — including a full breakdown of discretionary & non-essential spending.
Income
- Average monthly income (payroll — Vale Canada)$5,840
- Income stabilityStable · bi-weekly
Debt & fixed obligations
- Mortgage payment$1,685
- Car / auto loan$545
- Credit-card payments$125
- Insurance (auto + home)$210
- Phone / internet / utilities$340
Spending breakdown
- Groceries$620
- Dining out / restaurants / delivery$285
- Transportation / fuel / transit$240
- Subscriptions & entertainment$95
- Shopping / retail$310
Non-essential / discretionary spending
- 🍷 Alcohol & liquor (LCBO, Beer Store, bars)$165
- 🚬 Tobacco & vaping$0 — none detected
- 🌿 Cannabis (OCS / dispensaries)$40
- 🎰 Gambling / lottery / betting$0 — none detected
- Total non-essential per month$205
Cash flow
- Average monthly expenses (all categories)$5,560
- Estimated monthly surplus+$280
- Income-to-rent ratio (rent $1,800)3.2× — comfortable
- NSF / overdraft fees$0 — none observed
- Payday-loan / cash-advance activityNone
Overall: Strong — stable single-employer income comfortably covers all obligations with low non-essential spending and no red flags.
Proof of income — read document by document AI-read
Our AI reads every income document the applicant uploads — pay stubs, a T4 or Notice of Assessment, an employment or offer letter, even student OSAP or ODSP / Ontario Works statements — classifies each one and confirms the income it supports. Not just the bank statements.
- 📄 Pay stub — Vale Canada · bi-weekly, net $2,180~$5,840/mo
- 📄 T4 (2025) — employment income $70,100~$5,840/mo
- 📄 Employment letter — permanent, full-timeConfirmed
All three documents agree with the bank-verified deposits above — income is consistent across every source, with no discrepancies flagged.
Affordability & risk summary
Monthly income from employment$5,840
Estimated monthly debt payments$2,565
Debt-to-income ratio44% (within range)
Maximum affordable rent (30%)$1,752
LandlordEzy Trust Factor88 / 100
Overall recommendationApprove
Ontario LTB order cross-check
Searched against 45,000+ Landlord and Tenant Board orders.
Eviction ordersNone found
Arrears / non-payment ordersNone found
Landlord Reference Network
Previous landlords on network1 found
ReferencePositive — paid on time, no issues
A private 24-hour chat is opened with the registering landlord so you can ask directly.
Guarantor / co-signer
GuarantorPatricia Bell
Equifax score781 — Excellent
Credit reportComplete · attached
Expert human review Approve
Optional add-on — a LandlordEzy specialist reviews everything and gives a written recommendation.
Strong, low-risk application. Income is stable from a single long-term employer and comfortably covers all
obligations, with rent at ~31% of net pay. Credit is very good (742) with only one minor 30-day late in
24 months and no derogatory items, collections or public records. Bank statements confirm healthy cash flow,
modest non-essential spending and no NSF activity. A qualified guarantor (781) further de-risks the file.
Recommendation: approve.
