The Work Number

– By Equifax

Connect to the mortgage industry’s most comprehensive employment verification database through SettlementOne’s seamless integration.

The Industry’s Largest Employment Database at Your Fingertips

The Work Number by Equifax represents the gold standard in employment verification, with records for employees across thousands of employers. Through SettlementOne’s integration, you gain instant access to this vast database without managing separate vendor relationships or dealing with complex integrations.

This service provides immediate verification for employees of participating companies, which include most major corporations, government agencies, and healthcare systems. With comprehensive income data, employment history, and real-time updates, The Work Number eliminates the delays and uncertainties of traditional verification methods.

Key Features

Massive Coverage: Employers contributing data nationwide
Real-Time Updates: Current data directly from employer payroll systems
Income Details: Detailed breakdown of base pay, overtime, bonuses, and commissions
Historical Data: historical employment history when available
Government Employment: Comprehensive federal, state, and local government coverage

How It Works

When you submit a verification request through SettlementOne, our system instantly queries The Work Number database using the borrower’s SSN and employer information. If records exist, you receive comprehensive employment and income data within seconds, including pay frequency, year-to-date earnings, and employment dates. The data integrates directly into your loan origination system, eliminating manual data entry.

Coverage Highlights

Major Employers:

Most Fortune 500 companies contribute data, providing instant verification for millions of employees.

Government Workers:

Federal agencies, military branches, and many state/local governments participate, streamlining public sector verifications.

Healthcare Systems:

Major hospital networks and healthcare providers ensure coverage for this critical employment sector.

Why SettlementOne

While many vendors offer Work Number access, SettlementOne’s integration provides unique advantages. Our intelligent cascade technology uses The Work Number as a primary source while automatically failing over to alternatives when needed. This ensures you maximize the value of The Work Number’s coverage while never getting stuck when borrowers work for non-participating employers.

Keep Every Loan Moving Forward

SettlementOne empowers lenders with trusted credit and verification solutions that simplify workflows and reduce borrower risk so you can focus on closing with confidence.

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