Verify income & employment with data from the source.

Truv’s consumer-permissioned data platform provides verification of income and verification of employment through direct-to-source payroll data, direct-to-source bank data, and AI-driven document upload. By Truv’s ability to connect consumers with their income and employment sources, they experience an easier VOIE process with less legwork and paper chase by powering a 30-second digital experience, while financial institutions and organizations save on costs, increase operational efficiencies, and deliver a consumer-centric customer experience.

Truv’s customizable waterfall solution integrates multiple data sources—payroll, banking, and documents—to boost application completion rates and conversion. By offering multiple verification options through a single vendor, Truv helps customers reduce costs, simplify vendor management, and achieve higher conversion rates.

Truv supports a wide range of lending and verification needs, including mortgage lending, home equity lending, consumer lending, auto lending, tenant screening, and background screening processes.

Mortgage lenders, banks, credit unions, auto lenders, consumer lenders, and screeners using Truv’s verification suite report higher conversion rates, faster closing times, reduced fraud risk, lower risk of repurchases, and improved operational efficiency.

Mortgage lenders save 60-80% on average with Truv compared to instant databases.

Yes, our payroll VOIE and Docs solutions. Truv is an authorized report supplier for Fannie Mae’s Desktop Underwriter^® (DU^®) validation service and an approved provider of Freddie Mac’s Loan Product Advisor^® (LPA^℠) asset and income modeler (AIM^®). Offered as fallback solution to payroll VOIE, Truv offers an AI-driven Document Upload solution. As an integrated provider with Freddie Mac’s AIM Check API, Truv can deliver instant and automated assessment of paystub and W-2 data for lenders to use for their calculations of qualified income.

Paystubs, W2s, 1099s, and tax returns are typically documents that are required to verify income. Truv enables consumers to connect to payroll providers, employers, financial institutions, and tax providers, as well as provide documents through the same interface, to eliminate manual document collection and accelerate the verification process.

Yes, Truv is an all-in-one platform that offers a range of verification solutions that are designed to be used as standalone products or waterfalled to optimize conversion. The Truv team tailors recommendations specific to our client’s needs.