Automate decisioning on >99% of applicants.
No matter how complex the applicant's financial situation is, we reach a decision recommendation. Combining credit, criminal, income, ID, fraud checks, and more you’ll never need your team to manually review applications again.
Compliance and security you can trust.
We’re a specialty Consumer Reporting Agency (CRA) and regulated under the FCRA, similar to the big 3 national consumer reporting agencies, TransUnion, Experian, and Equifax.  We’re legally obligated to deliver you maximally accurate and fair results that you can rely on.
Prevent all types of fraud.
Whether it’s sophisticated synthetic identity fraud, CPNs, edited tax documents, synthetic bank statements, template paystubs, or even an offer letter from a shell company, we’ve got you covered.  
Boost occupancy.
With smarter underwriting rules and faster decisioning, you can approve more qualified applicants.  Reduce lead to lease times, increase your approval rates, and get unified reporting on your entire screening system so you can make informed adjustments in real time to hit your financial goals.
[Case study]
$11M saved: BH after Two Dots
[Case study]
$11M saved: BH after Two Dots
How BH centralized screening, eliminated fraud, and reduced labor cost by millions. BH is the 8th largest apartment manager in the US and was able to reduce payroll spend on underwriting by 82% with TwoDots. BH now has only 1 person processing applications for every 5,000 units they manage.
400
Leasing agents who used to spend 50% of their time on underwriting.
$55k
Average annual salary of a leasing agent.
17
Headcount of the new centralized screening team that replaces the agents with TwoDots.
18%
The cost of the new team + TwoDots, compared to the old team.
[Case study]
Moss & Co. after 1 year with Two Dots
[Case study]
Moss & Co. after 1 year with Two Dots
Portfolio-wide implementation of TwoDots helped Moss & Company reduce bad debt and evictions by over 70% after 1 year. Moss & Company is the leader in Southern California property management, with over 14,000+ residential units on Yardi.
>70%
We've helped reduce bad debt by over 70%.
3.45%
Percent of applicants committing fraud that were denied by TwoDots.
+1.93%
Occupancy change increased by 1.93%.
<1.5%
Percent of residents with over 2 months rent unpaid, 1 year after move-in has dropped from 4.5%, to less than 1.5%.

Clients + Partners

MG PropertiesbhTimberland partnersFogelmanRAM Partners
Christi Weinstein
COO, BH
Two Dots has been a game changer for BH. The efficiencies we are able to achieve simply wouldn’t be possible without them.
Chris Gray
President, Moss & Company
We've tried every other solution on the market and Two Dots is by far the most effective.

There’s power
in knowing.

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