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Achieve an up to 46% lift in loan conversions* while helping minimize your risk with the industry’s most comprehensive income and employment data.
Meet the Speed of the Market:
Deliver the instant, 24/7 approvals borrowers demand. Move from application to funding in seconds, not days.
Support Risk Mitigation at Scale:
Gain access to 781M+ verified income and employment records sourced directly from employers and payroll providers so you can assess risk with greater confidence.
Unlock the "Invisible" Borrower:
More confidently extend credit to the 76.1M consumers with thin or invisible credit files. by gaining a more complete view of ability to pay.
Capture More Opportunities:
Lenders using The Work Number data have achieved an up to 46% lift in loan conversions by layering real-time income and employment data over traditional credit scores.*
Help have a clearer view of applicants’ creditworthiness and ability to pay. Auto lenders who leverage The Work Number see a 48% higher likelihood of closing.*
Provide the immediacy and convenience consumers have come to expect through a seamless and hassle-free automated process.
Gain a comprehensive understanding of borrower repayment ability, potentially reducing delinquencies and optimizing portfolio health.
A reactive approach to portfolio management is no longer enough. To help safeguard your investments, provide your borrowers with ongoing support, and ensure long-term profitability, you need a proactive strategy that helps anticipate and mitigate risk before it escalates.
Proactive credit line increases are a powerful tool for driving portfolio growth and enhancing customer loyalty. However, making informed decisions while managing risk can be a challenge. That's where The Work Number® comes in. We provide instant income and employment verification, empowering you to make confident credit line decisions based on real-time data.
While consumer-provided documents and consumer-permissioned data are viable options for verifying someone’s income and employment, they bring risks and challenges, including added processing time, incomplete data security, and potential for false reporting of jobs and salaries.