Approve More Borrowers with Speed and Confidence

We provide lenders in the personal, auto, student and credit card verticals easier access to cost-effective income and employment data. Accelerate underwriting with a frictionless verification experience.

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Instant Data

Instant Payroll Data for 40 Million U.S. Employees

Over 7 million instant employee records are exclusive to the Truework network and instant requests are completed within seconds. Outside our instant data, half of all verification requests are completed within 24 hours and 75% are completed within 72 hours.

With our multi-channel approach (Instant, Credentials and Smart Outreach), lenders can verify any U.S. employee through Truework.

Eliminate the Guesswork in Underwriting

Data provided by Truework is pulled directly from payroll providers such as ADP, Gusto, Zenefits, Paylocity, UKG and more.

Each verification request includes comprehensive employment data including Job Status, Title, Dates of Employment, Last Pay Date, YTD earnings and years prior.

Reduce the Cost of Verified Payroll Data

Truework unlocks the power of borrower-credentialed data to lower the cost of employment and income verifications.

Using our Credentials tool, borrowers can submit source-of-truth income and employment data directly through their payroll provider. Lenders pay only for the data they need.

How it Works

The Only All-In-One Verification Platform

Incorporating payroll data into underwriting mitigates risk by removing dependencies on imperfect credit scores. Our technologies (Instant, Credentials, Manual) maximize employee coverage and minimize turnaround time for every request. This waterfall approach ensures lenders can verify any U.S. employee as fast as possible without submitting multiple requests.

Help borrowers access loans faster by verifying employment and income for any U.S. employee through Truework.

Instant Data

The first approach in the Truework waterfall is access to our instant database of over 40 million employee records.

When all the proper documentation is provided upfront, instant requests are completed in seconds.


Our Credentials tool accelerates verifications for any employee outside our instant network. With Credentials, borrowers can submit verified payroll data directly from their payroll provider.

We integrate with over 150 payroll providers, allowing borrowers to share up-to-date employment and income data in minutes.

Smart Outreach

Our Smart Outreach team serves as a final catch-all in the Truework waterfall, allowing lenders to verify employment and income for contractor, small business and other hard-to-verify borrowers.

Our U.S. based team specializes in manual verifications, with access to every third party verification provider. This final catch-all in the Truework waterfall ensures processing teams never have to chase down HR teams again to complete a verification.

Getting Started

Access Payroll Data Faster with the Truework API

Lenders use our API to enable seamless verifications for any applicant. Integrate in minutes.