LandlordEzy · Tenant Screening Report
Jordan A. Bell
24 Maple Crescent, Unit 3 — Sudbury, ON P3A 1A1
Report ID: LE-SCR-2026-04821 (sample)
Completed: June 12, 2026 · Valid 3 months
LandlordEzy AI recommendation
Strong applicant — Approve
Verified identity · 742 Equifax score · comfortable affordability · clean public record.
AI risk score: 12 / 100 · Low
✓ Identity verified High confidence
Government ID matched to a live selfie by AI. ID and selfie are attached to the full report.
DocumentOntario driver's licence (valid)
Name & photo match98% — Verified ✓
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.
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.
