When applicants complete Instant ID Verification or Bank Connect (Income Verification), Aptly generates detailed, specialized reports to help you review their information with confidence.
This article walks through how to access these reports and what each section means.
How to Access Verification Reports
- Open any application to view the Household
- Scroll down to the Applicants table
- Locate the applicant you want to review
- Look for double checkmarks to confirm:
- ID Verification completed
- Income Verification completed
- Click on the applicant’s name
- At the top of the page, toggle from Applicant → Report
Once you switch to the Report view, you’ll see all verification details in one place.
Identity Verification Report
At the top of the report, you’ll find the Identity Verification section.
Status & Decisioning
- Set an outcome:
- Accepted
- Denied
- Not Reviewed
- If Instant ID Verification was used, the system will display:
- Pass ✅ or Fail ❌ status
- Any potential fraud indicators
Identity Checks
- View all verification checks completed
- Easily identify:
- What passed (green checkmarks)
- What failed (red Xs)
ID & Selfie Review
- Applicant-submitted:
- Government ID
- Selfie image
ID Details
- Includes:
- ID type (e.g., driver’s license)
- ID number
- Issue & expiration dates
Data Matching
- Compares:
- Applicant-entered info (name, address)
- Data pulled from the ID
- Displays:
- Match ✅ or mismatch ❌ indicators
Income Verification (Bank Connect Report)
The Financial Verification section provides a detailed view of the applicant’s income and financial behavior.
Income Overview
- Monthly income displayed in a bar graph
- Total deposits from income sources
Income Breakdown
- Organized by source (e.g., employment, government, other)
- Includes:
- Average monthly income
- Last payment date
- Payment amounts
- Date range of payments
- Number of payments
Click View to drill into transaction-level details, with filters for different income types.
Monthly Income Summary
- Table view of income by category:
- Employment
- Government
- Other
Balance History
- Daily closing balances across all linked accounts
- Based on transaction-level data
- Scroll horizontally to view trends over time
Financial Health Indicators
Several widgets help summarize financial behavior:
NSF (Non-Sufficient Funds)
- Total NSF occurrences in the last 12 months
Monthly Free Cash Flow
- Remaining funds after recurring expenses
- Includes a color-coded indicator:
- ⚠️ Yellow = potential concern
Monthly Net Income
- Total income after expenses
Income Sources
- Breakdown of where income is coming from
Rent Payment History
- Number of rent-related payments (last 12–18 months)
- Includes a detailed list of transactions
Average Bank Balance
- Average daily closing balance
- Includes interpretation to guide review
Rent Verification
Errors & Flags
- Any detected issues will appear here
- Click Show Details to view:
- Specific transactions
- Dates and amounts
Rent Timing
- Shows when rent is typically paid
Linked Bank Accounts
- Displays all accounts connected via Bank Connect
Rent Insights & Trends
Additional widgets provide deeper insight into rental behavior:
- Total Rent Payments (count + summary)
- Total Rent Paid
- Average Rent Payment
- Minimum Rent Payment
- Maximum Rent Payment
- Payment Date Range
Transactions View
At the bottom of the report, you’ll find a full transaction-level breakdown.
Filter by:
- All Transactions
- Income
- Deposits
- Employment Income
- Government Income
- Other Income
- Rent
- Utilities
- Pet Expenses
- Transfers (Zelle, Venmo, PayPal, etc.)
- Other Transactions
- Deferred Transactions
Key Takeaway
These reports are designed to give you a clear, detailed, and actionable view of an applicant’s identity and financial profile—helping you make faster, more confident leasing decisions.
Frequently Asked Questions
Does data from Bank Connect or ID Verification expire?
Yes. Data will expire in 60 days.
Can an applicant connect multiple bank accounts?
Only while they are in the bank connect window. Once they submit their information and move onto the next step, applicants cannot connect additional bank accounts. They can upload PDFs of pay stubs and bank statements under Employment History (after adding income sources).
My ID and Income Reports do not look like this.
Reach out to help@getaptly.com or your Account Manager to get it updated.