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==Consumer-impact summary== User freedom: Often the usage of this service is mandatory for anyone renting or getting a loan.<ref>{{Cite web |last=u/Competitive-Mud-4898 |date=May 31, 2024 |title=Property management and income verification |url=https://old.reddit.com/r/alameda/comments/1d4zgp7/property_management_and_income_verification/ |access-date=Mar 22, 2025 |website=Reddit}}</ref> User privacy: Shares user info solely between consumers and renters as per section 3 of TOS.<ref>{{Cite web |last=Payscore |title=Terms of Service |url=https://www.payscore.com/terms-of-service |archive-url=https://archive.is/YxWyJ |archive-date=Mar 24, 2025 |access-date=Mar 24, 2025 |website=Payscore}}</ref> However because of the mandatory requirement of sharing your bank credentials, the service may be sharing private transactions with landlords,<ref>{{Cite web |last=u/peachblueberrymuffin |date=Jun 5, 2023 |title=Is pay score legit? |url=https://old.reddit.com/r/renting/comments/141r3bf/is_pay_score_legit/ |access-date=Mar 24, 2025 |website=Reddit}}</ref><ref>{{Cite web |last=u/sividis |date=Jun 10, 2024 |title=Apartments now require access to Bank accounts? |url=https://old.reddit.com/r/sandiego/comments/1dcrgg3/apartments_now_require_access_to_bank_accounts/ |access-date=Mar 22, 2025 |website=Reddit}}</ref> which may be sold. When the company was formerly known as ''The Closing Docs'', they were also selling "anonymized" user data.<ref name=":0">{{Cite web |last=u/missile_lily |date=Jan 10, 2023 |title=Landlords using service that requests and resells entire financial records |url=https://old.reddit.com/r/privacy/comments/108kn7q/landlords_using_service_that_requests_and_resells/ |access-date=Mar 22, 2025 |website=Reddit}}</ref> Business model: Property managers and lenders pay a fee to use their service to cover verifying rent. Market control: Some competition, such as from [[Plaid]] and [[Yodlee]]. <!-- See discord server thread #Definitely anti-consumer for details https://discord.com/channels/1324835844812443810/1347323170386087946 -->
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