RentScoreKit

RentScoreKit is a web app (with a lightweight mobile companion) that helps lenders and property managers underwrite “thin-file” applicants using verified rent-payment behavior and cash-flow stability. Users connect bank accounts via open-banking, optionally link a lease, and the system classifies recurring rent payments, flags missed/late patterns, and produces a lender-ready report with a simple risk band and explanations. It’s an AI + traditional app: AI is used to categorize transactions, detect rent-like payments even when mislabeled, and generate plain-language adverse-action style reasons; traditional rules enforce consistency and auditability. The product is realistic: it won’t replace FICO, but it can reduce manual review time and improve approval rates for renters, immigrants, students, and gig workers. It also includes fraud checks (synthetic identity and “rent spoofing” patterns) and a compliance-friendly export for underwriting files.