What is a rental reliability score?

A rental reliability score is an indicator that assesses the likelihood of a tenant paying their rent regularly and on time. Unlike traditional rental applications, which rely on self-declared documents (payslips, employment contracts, certificates), a modern reliability score is based on real banking data, with the tenant's consent.

How is it different from a credit score?

A bank credit score measures a person's overall creditworthiness in relation to their loans and debt levels. A rental reliability score answers a more specific and more useful question for a landlord: does this candidate pay their rent regularly?

The difference is significant. A profile may appear solvent on paper whilst having a history of irregular payments, and vice versa. For a rental property, what matters is not declared wealth, but the regularity of payment observed over time.

How the Tecto Score is calculated

The Tecto Score from IMMOTECTO deliberately focuses on a single, clear and defensible criterion: the actual rent payment history. The calculation relies on Open Banking, a secure read-only bank access, activated only with the tenant's explicit consent.

In practical terms, the tenant authorises the analysis of their payment history. The system identifies rent payments and assesses their regularity. No self-declared documents to falsify, no tedious re-entry of data: the information comes directly from the banking source.

This restricted scope focusing on rent payment is a deliberate choice. It makes the score readable for all parties, and consistent with the European framework for data protection and artificial intelligence.

TectoPass, the shareable proof

Once the score is established, the tenant receives a TectoPass: an official document with a QR code, which they share with landlords and agencies. The landlord consults verified proof of reliability, without having to request and check a pile of supporting documents.

The tenant retains control of their data and reuses their TectoPass from one application to another. The landlord saves time and selects based on verified facts rather than declarations.

What is it for, in practice

• For the tenant: stand out from other candidates and apply faster, with a credible file.
• For the landlord: reduce uncertainty when choosing a tenant.
• For the agency: process more applications without multiplying manual checks.

Is it respectful of privacy?

Yes, it's even a starting requirement. Bank access is read-only, based solely on the tenant's consent, and in compliance with GDPR. The tenant decides, at any time, whether or not to share their TectoPass.

In summary

The rental reliability score shifts tenant selection from declared to verified. By focusing on actual rent payment via Open Banking, it gives landlords reliable information and tenants a simple way to prove their credibility. IMMOTECTO offers this approach in 9 European countries and in 6 languages. The service is free for tenants today.