Credit Unions

More Efficiently Evaluate Members’ Applications for Loans and Lines of Credit

Speed up the loan origination process with automated employment and income verifications.

Start Verifying

Provide a better member experience and grow your lending business

Smoother Application Process
Require less application paperwork. Access 716M+ records instantly from 3.8M employers who contribute income and employment data to The Work Number®.
Clearer Financial Picture
Layer alternative data, such as income and employment information, alongside other customer data to have a clear view of applicants for quicker, insight-driven decisioning and to help reduce risk.   
Say ‘Yes’ to More Applicants
With employer-provided data, you can make more informed lending decisions to help you provide funding to more individuals responsibly, all while maintaining healthy loan performance. 
  • Smoother Application Process
    Smoother Application Process

    Require less application paperwork. Access 716M+ records instantly from 3.8M employers who contribute income and employment data to The Work Number®.

  • Clearer Financial Picture
    Clearer Financial Picture

    Layer alternative data, such as income and employment information, alongside other customer data for quicker, insight-driven decisioning and to help reduce risk.

  • Say Yes to More Applicants
    Say ‘Yes’ to More Applicants

    With employer-provided data, you can make more informed lending decisions to help you provide funding to more individuals responsibly, all while maintaining healthy loan performance.

SOURCE: Equifax Data Study of The Work Number Inquiry Data, January 2023 - December 2023 United States consumer finance loans. Individual results may vary.

* Subprime applicants are defined as Vantage score < 620 at the time of application

Improve your loan cycle with instant verifications of income and employment

Credit Decisioning 

With digital verifications, better understand and qualify your applicant to lead to more confident decisions.

Loan Underwriting/Line Assignment 

Instantly verify employment and income to determine appropriate loan terms.

Account Management

Understand and quantify portfolio risk. Portfolio reviews allow you to prioritize consumer accounts with batch verification processing.

Collection and Recovery

Stay ahead of default and identity accounts to apply appropriate treatment strategies.

Featured Products

Solutions built for your verification needs

Income and Employment Verification
Access income and employment information instantly to verify applicant-provided data.
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Identity Verification
Confirm whether an applicant-provided name and social security number matches a record on The Work Number database to quickly validate an applicant’s identity.
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Portfolio Review
More easily prioritize consumer accounts using employment and income data.
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Data delivered the way you need it

Web-based Access

Login to our verification insights portal. Purchasing flexibility allows smaller verifiers to pay by credit card and larger verifiers to be invoiced monthly.

System Integrations

Connect directly to The Work Number database within your own origination and credit decisioning technology platform. Get access through one of our 60+ pre-built API integrations.

Batch Processing

High-volume verifiers can obtain information on the entire loan portfolio as well as process thousands or even millions of verifications at once.

ebook

3 Ways To Help Increase Financial Inclusion in Lending

Credit is evolving. There are a few easy ways for credit union lenders like you to address more financial inclusion for all — while reaping the benefits along the way.

Read Now

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 Member Experience

Help create a fast, low-friction application process for your members with automated verifications. 

Start Verifying

Browse Consumer Lending Industry News & Updates

Stay up-to-date on changes and trends in consumer lending.

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Competitive Advantage in the Digital Age: How Credit Unions Can Win and Retain M ...
Learn how credit unions can help gain a competitive edge by attracting Gen Z and retaining members.
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Adopting New Technologies: How Credit Unions Can Benefit From Embracing Change
Discover how adopting new technologies can benefit credit unions, including improved efficiency, better member experience, and potentially increased revenue.
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Attracting the Next Generation of Members
Today’s members want the ability to prove their financial stability, receive faster decisions, and experience greater transparency, even if their traditional credit file might imply otherwise.

Modernizing Verifications for Credit Unions and Community Banks

With more than 716 million employment records, we can help streamline your income & employment verification processes, so you can more efficiently evaluate applications for loans and lines of credit.
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Credit Union Trends: Navigating Challenges in Today's World
Learn about the latest credit union trends, news, and challenges they face.
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Income and Employment Verification for Credit Unions and Community Banks

Get third-party verifications with income and employment information provided by employers and payroll providers.
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The Work Number ID for Credit Unions and Community Banks

Confirm whether an applicant-provided name and social security number matches employer-provided data to quickly validate an applicant’s identity.
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Education Verification for Credit Unions and Community Banks

Fast, efficient verification of an applicant's education status.

Key Benefits to Help Credit Unions

Improve Member Experience

Reduce application friction by decreasing reliance on applicant-provided paystubs.

Instant Verifications
Mitigate risk with improved view of applicant.
Fast Access to Information
Improve application for credit screening processes and speed to decision.
Access to More Than 716 Million Records and Counting
Enable a seamless verification process and build efficiency with access to the industry-leading centralized repository of employment and income information in the U.S.
By The Numbers

See Why Employers Trust The Work Number for Their Online Income and Credit Union Verification Needs 

716M+

The Work Number database offers credentialed verifiers access to more than 716 million records for verifications of income and employment.

3.8M

Nearly 3.8 million employers contribute employment and income data, directly or through payroll providers, to The Work Number database.

144M

The Work Number service fulfilled 144 million verification requests on behalf of consumers in 2023.

Important Information at Your Fingertips

Learn more about the income verification and employment verification products and services available.
E-BOOK

3 Ways to Help Increase Financial Inclusion in Lending

Credit is evolving. There are a few easy ways for Credit Union lenders like you to address more financial inclusion for all — while reaping the benefits along the way. And it all starts with data.
WEBINAR

Convergence: The Value of Employment and Income Information in Today’s Dynamic Lending Landscape

Learn how Credit Union lenders can build business with better visibility, expanded data and easier processes.

Experience The Work Number

Find the verification solution to meet your needs.
Sign Up to Start Verifying
Looking to download or manage your individual Employment Data Report? Visit Employees.TheWorkNumber.com