Tenant Profile Score — objective criteria only
Score a tenant file on the six criteria that legally matter in Quebec: payment capacity, file seriousness, references, history, income stability, and consent. No protected criterion is ever asked.
Objective criteria only — Quebec Charter compliant
The tool collects ONLY criteria allowed under article 10 of the Quebec Charter: payment capacity, file, references, history, income stability, and consent. No protected criterion (origin, age, family status, religion, sex, pregnancy, disability, etc.) is ever asked. Income source (employment, pension, social assistance, etc.) does not affect the score — only stability matters. The owner always keeps the final decision.
1. Payment capacity
Household total if applicable
2. File provided
3. Prior-landlord references
4. Rental history
5. Income stability
Income SOURCE does not affect the score — only duration counts.
6. Verification consent
Credit verification requires written consent. Without it, the evaluation cannot be completed.
Enter rent and income to compute the score on objective criteria.
Methodology
How the score is calculated
Six objective criteria, each with a weight reflecting its predictive value based on our experience in Montreal, Laval and Longueuil. The weighted sum gives a 0-100 score.
Payment capacity
30%Rent-to-net-income ratio. Below 30% = excellent; 30-35% = acceptable; > 40% = high risk.
File seriousness
15%Documents provided: ID, income proof, employer letter, reference contacts. 4/4 = ideal.
References
20%At least one prior-landlord reference validated by phone. Two validated = very strong signal.
Rental history
15%TAL search (free public registry) + average tenancy duration. A recent TAL judgment weighs heavily; 24+ months per unit is positive.
Income stability
15%Time in current income source (regardless of source). 3+ years = very stable; < 6 months = worth digging into.
Verification consent
5%Without written consent for credit verification, the evaluation can't be completed — the tool flags it.
Go further
Deepen the methodology
Everything to know about objective selection and Charter/CDPDJ compliance.
5 objective criteria for picking the right tenant in Quebec
In Quebec, tenant selection must rest on objective criteria only. Here are the 5 criteria that make the difference — and the list of those you can never use.
How to avoid discrimination in tenant selection in Quebec
Quebec's Charter forbids certain selection criteria. Here's the complete list, the most common (often unintentional) pitfalls, and the method to stay fully compliant with the Charter and CDPDJ guidelines.
How to screen a tenant legally in Quebec
Legal framework, written consent, accepted verifications, and mistakes to avoid: the complete guide to screening a tenant candidate in Quebec without legal risk.
Tenant payment capacity: how to evaluate it correctly
Rent-to-income ratio, documents to analyze, special cases (students, self-employed, newcomers) and the co-signer option — without falling into discrimination.
Frequently asked questions
Practical answers for tenants and owners across Greater Montreal.
- Does this tool replace a professional verification?
- No. It's a structuring tool for your evaluation on objective criteria — not an actual verification. Real verification involves an Equifax/TransUnion credit report, a phone call to prior landlords, a TAL registry search, and employment validation. Our placement service includes all that systematically.
- Why doesn't income source affect the score?
- Because 'social condition' is a Charter-protected criterion (article 10). Refusing a candidate because they receive social assistance, are a student, or are retired is prohibited discrimination. What legally and economically matters is STABILITY and PAYMENT CAPACITY — not the source. Our score reflects this framework.
- Which criteria does this tool NEVER ask for?
- No Charter-protected criterion: ethnic or national origin, race, colour, sex, gender identity or expression, pregnancy, sexual orientation, civil status (married/single), age (except legal majority required for the lease), religion, political beliefs, native language, disability, social condition (including income source). None of these fields appears in the form.
- How do I interpret a score of 65?
- A score of 65 indicates an 'acceptable file' on the objective criteria collected — there are a few points to dig into (validate references, request more documents, etc.) before signing. It's not an automatic refusal, it's a signal that a structured discussion is useful. The final decision is always yours.
- If the score is low, should I refuse the candidate?
- Not automatically — a low score is a signal to DIG, not a verdict. Some options: request a strong co-signer or guarantor, ask for the maximum legally allowed deposit (first month's rent), or simply have a structured conversation to understand context. If after digging the risk remains high, it's your prerogative as owner to choose another candidate — provided the documented reason stays objective.
- Can the score serve as a defense in case of a CDPDJ complaint?
- The tool alone defends nothing — what matters is documenting your evaluation. If you systematically apply the same objective grid to all candidates and keep a written trail of every decision (refusal motivated on specific objective criteria), your file is defensible. Our placement service handles that documentation for you, which substantially reduces legal exposure.
- How much does a full professional verification cost at AA Location?
- Our placement service includes full verification at no extra cost — it's bundled into the package. The overall placement fee varies by unit type, city, and complexity, and is shared during the free evaluation. Reference point: less than one month of lost rent, far less than the cost of evicting a bad tenant.
AA Location — Professional verification
Hand the full verification to AA Location
Equifax/TransUnion credit, phone reference validation, TAL search, employment validation, consistency cross-check — with written consent, objective criteria only, lease signing coordinated by an OACIQ broker. The owner always keeps the final decision.