On-Demand Webinar - How Top Credit Unions Automate Lending and Protect Liquidity
Insights from the 2026 Credit Union Pulse Survey

Confidently Assess Creditworthiness

Use automated employment and income verifications
across the credit card lending lifecycle.  

Build top-of-wallet relationships with tomorrow's best customers

Faster Credit Decisioning

Verify employment and income instantly to help approve consumers in real-time when they are primed for engagement. Delight customers with proactive credit line increases. 

Clearer Customer Picture
Get a fuller picture of a borrower’s ability to pay when you layer alternative data, such as income and employment information, alongside other customer data.
Increased Data Trust
Instead of relying on stated income, access data straight from the source. Access 863M+ records from 5M employers who contribute income and employment data to The Work Number®.

Instant verifications provide value across the credit card lending journey

At Application

With digital verifications, better understand and qualify your applicant and confirm identity quickly.

Approval & Line Assignment

Instantly verify employment and income for low-friction lending and a better customer experience.

Portfolio Review & Account Management

Understand and quantify portfolio risk and proactively address changes in consumers’ employment status.

Collection & Recovery

Identity accounts to apply appropriate treatment strategies.

Featured Products

Solutions built for your verification needs

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

Integrate through one of 60+ technology providers that have pre-built connections. 

When to choose

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

Developer-first API

Use one of our APIs to build your own connection to The Work Number database. 

When to choose

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

Webinar

Providing Value Throughout the Credit Card Lending Lifecycle

Listen to a panel discuss why a credit score may not tell you the whole story and how you can use alternative data to increase credit approvals across all credit bands.

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 use data from The Work Number. We maintain globally recognized certifications in management and security.

Create a Better Borrower Experience

Help create a fast, low friction credit decisioning process with automated verifications.