We support Day 1 Certainty® from Fannie Mae

Credit Plus helps facilitate compliance and helps with employment and income verifications for mortgages. We are an authorized reseller of The Work Number®, a solution offered through Equifax Workforce Solutions*, and the largest collection of payroll records contributed directly by employers.

Through The Work Number, we enable you to get fast validation of employment information and consumer income, if requested, so you can make informed decisions. The Work Number database houses millions of employment records contributed by employers nationwide. This information is updated every payroll cycle, so you’ll always receive the most up-to-date information possible.

We’ve also added a new validation resource, Experian Verify™. This database is powered by the most current data available and delivers employment and income verification data directly from trusted payroll sources in real time.

Credit Plus is an Authorized Report Supplier of eligible verification reports for the Desktop Underwriter® (DU®) validation service.


Validate income/employment instantly with our waterfall experience:

  • Obtain an automated verification through The Work Number or Experian Verify. The workflow is customizable and can be programmed to cascade if the employer/income isn’t available in one of the online databases.
  • If an applicant’s information isn’t available online, a manual verification can be performed.

The Work Number’s New Enhancements

This fast and accurate online validation of income and employment was recently upgraded. You can now select to receive up to the last 24 months of employment/income records instead of the borrower’s ENTIRE employment history. You can also choose to receive inactive, active or both, and multiple pulls for one price with VOI/VOE Ultimate.

Select enhanced feature filters include:

VOI-All Employers within 24 months

Obtain one-time instant verification of income for all active/inactive records within past 24 months

Mortgage Ultimate (VOI/E)

Obtain VOE or VOI multiple times (up to 4 for one price) within 90 days (active records within 90 days and inactive records within past 24 months)

Mortgage Preferred (VOI)

Obtain one-time instant verification of income (active records within 60 days and inactive records within 24 months)

Employment Select (VOE)

Obtain one-time instant verification of employment (active records within 60 days)

VOI-All Employers within 12 months

Obtain one-time instant verification of income for all active/inactive records within past 12 months

We do the work. You get less stress. Benefits include:

  • We are integrated to Day 1 Certainty® services from Fannie Mae through Desktop Underwriter® (DU®)
  • Ensure compliance with Fannie Mae LQI requirements
  • Meet Ability-to-Repay and Qualified Mortgage Standards under the Truth in Lending Act (Regulation Z)
  • Verify information quickly and easily
  • Re-verify before a loan closes
  • Receive accurate consumer information
  • Control variable costs with a fixed cost per loan
  • Increase productivity by using an outside source for verifications

Manual verification for consumers not in the database

If an applicant’s information isn’t in The Work Number database, there’s no need to worry. You'll be given the opportunity to immediately order a manual verification. Credit Plus can manually verify employment and income, and provide you with the validation you need in just 1-3 business days. We follow a uniform, auditable process that ensures you get data you can trust.

Re-verify employment

It’s easy to re-verify employment just before closing to ensure that your applicant is still employed. All you need to do is access your account and click on the Re-verify Now icon and the status of your applicant’s employment will appear, if the original employment verification was conducted through The Work Number. If the Credit Plus team originally conducted a manual verification of employment, our verification experts will contact the employer again to re-verify.

Verify self-employed applicants

Do you need to verify information on a self-employed applicant? Our experienced staff can perform a thorough, auditable investigation including verifying the applicant's business and regulatory listings.


* Authorized Report Provider status does not imply Fannie Mae’s endorsement of Credit Plus products or services.

* The Work Number is a service provided by TALX Corporation, provider of Equifax Workforce Solutions. TALX Corporation is a wholly owned subsidiary of Equifax Inc. Credit Plus is an authorized reseller of certain products and services ordered by TALX Corporation.

Related Services

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Much more than just credit…we’re Credit Plus

Call us at 800.258.3488 or click here to request more information.

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*Equifax Workforce Solutions is a business unit of Equifax Inc., Atlanta, Georgia. Credit Plus is an authorized reseller of products and services provided through Equifax. The Work Number® is a registered trademark of TALX Corporation, a wholly owned subsidiary of Equifax Inc.

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