Prevent Rent Defaults. Unlock Better Tenants.
CogSymb is the FCRA-compliant screening platform that generates a proprietary Rental Credit Score. Go beyond standard credit reports by checking verified income and actual rent payment history to find the reliable tenants you've been missing.
Juan Pérez
Identity Verification
Biometrically Verified
Verified Income
$92,500 / year
Rental Payment History
100% On-Time Payments
Consumer Credit Score
620 Fair
Legacy Screening is a Hundred-Billion-Dollar Liability.
Crippling Losses
In 2025, landlords across the United States lost 129 billion dollars due to unpaid rent, with slow and litigious eviction processes compounding the financial damage.
Inaccurate Screening Tools
Consumer credit reports are for lenders, not landlords. And they predict debt payment, not rent payment. The data that actually matters to you isn't even in them.
Constant Fraud Risk
Identity fraud is a fast-growing threat, and regular tenant screening processes aren't hardened against it. The riskiest tenants are exactly those who don't exist.
Multi-Factor Identity Check
Real Person
Identity Check Passed
Fake Document
Identity Check Failed
Silicone Mask
Identity Check Failed
A New Standard for Identity and Trust.
Proprietary Rental Credit Score
Our predictive score is based on what actually matters for property managers and landlords.
Hardened Against Fraud
We use bank-grade multi-factor identity verification, a security standard which no other screening solution meets.
The Complete Financial Picture
Direct analysis of verified income and rental payment history via secure connections.
Certainty in Three Simple Steps.
Applicant Verifies
The applicant completes a fast identity check and then securely connects their financial accounts.
We Analyze
Our system verifies identity, income, and payment history to generate a comprehensive profile and score.
You Decide with Confidence
You receive a clear, data-rich report to approve applicants with a low risk of default.
Unlock Screening for the 59 Million Americans Who Are Off the Traditional Credit Grid.
The broken consumer credit system locks out millions of unscored and credit invisible adults in the US. CogSymb provides you with tools for reliably screening even tenants who don't have a traditional credit score, giving your properties access to a vast, previously invisible market of qualified applicants.
Share of Consumers who are Credit Invisible or Unscored
Get Started Today.
For Medium, Large, and Enterprise Firms
Equip your team with the industry's best tenant screening tool. Integrate our solutions via API to automate decisions, eliminate fraud, and reduce eviction rates across your entire portfolio.
For Independent Landlords and Property Managers
Get access to the same powerful screening tools trusted by major property firms, but with the flexibility you need. Pay for screenings on an individual basis, with no subscription required.