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In today’s environment, lenders need a solution that enables them to convert more loans faster while minimizing risk and creating a frictionless borrower experience.
The Work Number provides instant income and employment verifications to help lenders make more confident lending decisions across the full loan lifecycle.
Lenders leveraging The Work Number achieve a 46% lift in loan conversion rates by combining automated income and employment data with traditional credit scores.*
Consumers expect immediate results in today’s digital world. Our instant, 24/7, verifications enable lenders to approve more loans, faster.
76.1M consumers have thin or invisible credit files. Our data helps expand the pool of borrowers by revealing a more comprehensive applicant view.
Credentialed verifiers gain access to 751M+ income and employment records so they can help minimize risk and maximize growth across the full loan lifecycle.
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.