Embedded user-permissioned payroll data

Truework Credentials allows applicants to instantly and directly share their payroll data in the loan application. Increase conversion while reducing underwriting risk.


Faster approvals

Verify income and employment instantly rather than wait for paystubs or other document uploads.

Increased conversions

Capture more users directly in your application with a co-branded module.

Reach more customers

Broad coverage to expand your customer base, including gig-economy and government workers.

How it works

Verifying via payroll

If an employee is outside of the Truework Instant network, Credentials offers the ability to verify almost any US employee with speed of doing so in your application. Watch how to integrate Credentials.

Step 1

Integrate the module directly into the application with Truework.js

Step 2

After authorization, the applicant directly logs into their payroll provider

Step 3

Employment and income data is sent directly from the payroll provider to Truework

Step 4

The information is added to a Fannie Mae 1005-compliant report

Expand customer base with gig economy workers

Credentials enables you to easily verify 1099 contractors and other non-W2 workers without requesting paystubs or tax returns. Applicants simply log-in their gig-platform directly through Credentials to share income data.

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Broad coverage

of the US workforce

Payroll and gig platforms



Truework partners with Plaid to expand Credentials offering

Plaid Payroll Income is the latest integration to provide fast and easy income verification through user-permissioned data.

Verification your way

One platform, many methods

  • Truework combines multiple verifications methods to maximize speed and coverage

  • Instant reports, user-permissioned payroll data, and even manual outreach are all available individually or as a waterfall

  • Learn more how Truework is used in your industry:

Accuracy & security

A trusted source

Truework operates as a Credit Reporting Agency under the Fair Credit Reporting Act (FCRA). We provide verifiers the most accurate information while allowing consumers to easily request changes to their reports if discrepancies are ever detected.

Get started

Easily integrate verifications into your loan workflow with our implementation guides and documentation, or speak to our team directly.