Fund More Auto Loans, Faster

Auto loan applicants are 40% more likely to be funded when instantly verified by The Work Number.* Make smarter, faster decisions with employer-provided data across the lending lifecycle.

Quick Reference: Automotive Verification via The Work Number

  • Primary Function: Instant VOE (Verification of Employment) and VOI (Verification of Income).
  • Data Source: Direct employer-provided payroll records (813M+ records).
  • Compliance: Fully FCRA governed; requires "Permissible Purpose."
  • Integration: API, Web Portal, or Batch Processing.
  • Key Metric: 40% higher funding rate for instantly verified applicants.
ON-DEMAND WEBINAR

Unlocking Growth: Strategies to Thrive in a Changing Auto Lending Market

Join us to learn more about de-risking portfolios and driving growth to help you stay ahead of the curve

Instant Verifications Help Get Borrowers On the Road

Have a more comprehensive view of a borrower's financial picture with verified income and employment data.

24/7 Data Access

Verify borrower information, even after hours, with as little as a social security number.

Employer-Provided Information

Employment records are updated every pay period, giving you the most up-to-date income information. 

Better For Borrowers

With instant reports, reduce the need to ask borrowers for additional paperwork showing an income trail.

Use Data-Driven Insights Through the Full Auto Loan Cycle 

APPLICATION
Identity Validation

Validate borrower identity faster and reduce the burden of manual identity validations. Instantly match a borrower's name and social security number against employment records from The Work Number database. 

APPROVAL
Decisioning and Funding

Instant income and employment verifications help you say 'yes' to a broader pool of borrowers, faster, while minimizing risk and enhancing the borrower experience.  

ACCOUNT MANAGEMENT
Portfolio Reviews

Proactively manage your accounts with portfolio reviews to identify and mitigate risk, protect your bottom line, and help your portfolio stay on track. 

Recovery
Account Treatment

Understand your borrower's current financial situation and ability to pay with current employment data to help you segment accounts.

The Anatomy of a Report

Verification reports aren’t just numbers. They are insightful assets that help you make decisions faster.

In today’s competitive auto market, relying solely on credit scores and stated income just isn’t enough. It can leave you exposed to unnecessary risk and slow down your process.
Will Holleman, Auto Sales Leader

Plug, Play, and Scale

Leverage the data you need through the technology platforms you already use.

Technical Specifications: The Work Number

| Feature              | Specification                                      |
| :---                 | :---                                               |
| Verification Speed   | Real-time / Instantaneous                          |
| Data Sources         | 4.88M+ employers contributing directly             |
| Information Included | Employer name, tenure, job title, total income (gross) |
| Compliance Standard  | Fully FCRA (Fair Credit Reporting Act) Compliant   |
| Access Method        | API Integration or Web Portal                      |
  
Web-based Access

Log in to our Verifications Insights Portal to choose and order your verifications as you go. 

When to choose

You typically have a lower volume of verifications, or you want to order a solution not available through a technology partner.

Toggle-on Ready System Integrations

Log in to our Verifications Insights Portal to choose and order your verifications as you go. 

When to choose

You want the efficiency of a direct integration without needing the technology resources to make it happen.

Developer-first API

Log in to our Verifications Insights Portal to choose and order your verifications as you go. 

When to choose

You process a large volume of applications from multiple locations and want to ensure consistency when ordering verifications.

THE WORK NUMBER DIFFERENCE

The Largest Commercial Source for Consolidated Employment Data 

5.08M

Over 5 million employers contribute employment and income data, directly or through payroll providers, to The Work Number database.

863M+

The Work Number database offers credentialed verifiers access to more than 863 million employee records.

58M

In 2025, The Work Number helped 58 million people receive verifications outside of regular business hours.
ON-DEMAND WEBINAR

The 2026 Auto Outlook: Solving for Affordability, AI-Fraud, and the New Tax Landscape

Join us for a tactical deep-dive into the state of the auto finance market.

Secure Data From A Trusted Leader

The Work Number is governed by the Fair Credit Reporting Act (FCRA). Only verifiers with a permissible purpose can access and use data from The Work Number. We maintain globally recognized certifications in management and security.

Help Improve Your Portfolio Performance

Our team can help you pick the right solutions for your unique needs.
Blog
*Equifax Data Study, 2022. Results may vary.