How to check a tenant's reliability before renting out a home

In brief: before renting out a home, protests, adverse records and insolvency proceedings against a prospective tenant are public data that can be checked in a few minutes, without the tenant having to do anything. They do not replace the income check, which requires the tenant's active consent, through payslips or services such as the ISEE (Equivalent Economic Situation Indicator) — they are a quick first filter, not the whole due diligence.

What you can check in real time, without involving the tenant

• Protests, adverse records and insolvency proceedings: public events on record, with source and date — see what they are exactly.
• Positions and shares in other businesses (extended tier): if the tenant already runs a business, useful for getting an idea of their overall economic situation.
• Properties held in their name (extended tier, Catasto — the Italian land and property register): one more asset fact, not a guarantee.

All three are available in a few minutes, by declaring the purpose "checking a tenant, before entering into a lease agreement".

What this check does not do: income and past arrears

Some services specialised in the property sector also cross-check the income declared by the tenant or real-estate arrears databases (banche dati di morosità immobiliare, BDMI) — real and useful data, but which structurally require the tenant's active involvement: an identity document uploaded by them, a signed consent, or their own economic declaration, taking days or weeks, not minutes. This check, by contrast, remains a unilateral check on public data already on record, consistent with the same model used across the rest of Veryfy — faster, but with a narrower scope: it does not tell you whether the tenant earns enough to pay the rent, only whether public warning signals about them are already on record.

When to do it in the selection process

The natural moment is after narrowing the choice to one or a few candidates — not as the first filter on all the enquiries received, but as a targeted check before proposing the contract, together with (not instead of) the references and income documentation you normally already ask for.

The limits of this check

You may use it only by declaring the purpose "checking a tenant, before entering into a lease agreement" — not for a generic check on anyone. It shows public facts with source and date, never a judgement on the person's reliability: "presents N warning signals", not "tenant to avoid".