Agility Credit's Income & Employment Verification suite delivers unmatched flexibility, accuracy and depth — combining verified income sources, modeled data and powerful cash flow analytics in a single, unified platform. Built to support lenders, fintechs and financial institutions, our solution offers everything from GLB-estimated income to real-time credentialed and bureau-verified employment data, all accessible via secure API or embedded within credit reports. Whether you need full verification, income modeling, or household-level analytics, Agility Credit makes it possible to verify faster and lend smarter.
Key Features:
- GLB Estimated Income – Derived from credit-based models compliant with Gramm-Leach-Bliley (GLB) guidelines — ideal for fast, compliant income estimation at scale.
- Verified Annual and Household Income – Verified income data that reflects both the applicant's individual and household earnings, supporting a complete financial profile for more accurate affordability assessments.
- Modeled Income – Predictive income modeling leveraging credit behavior and payment trends to enhance decisioning accuracy.
- Instant Verification – Access verified employment and income directly through integrations with The Work Number and Experian Verify — with responses in seconds.
- Credentialed (Open Banking) Solutions – Consumer-permissioned access to payroll or bank account data for near real-time income and employment validation.
- Cash Flow Analytics – Go beyond static verification with deep transactional analysis — measure inflows, outflows, spending stability and residual income to understand true financial health.
- Standalone or Appended Service – Available as an independent verification module or appended directly to Agility Credit's credit and fraud services.
- Dynamic Reporting & Data Customization – Return only the data you need — from employer name, position and pay frequency to deposit validation and modeled income variance.
Benefits:
- Full Coverage: Estimated, verified, modeled and credentialed data — all in one platform.
- Instant Insights: Real-time income and employment confirmation from trusted, verified sources.
- Advanced Analytics: Cash flow analysis adds predictive depth to risk and affordability models.
- Configurable Deployment: Standalone or integrated directly into existing credit workflows.
- Regulatory Confidence: Fully FCRA, GLBA and SOC 2 compliant with full auditability.
- Enhanced User Experience: Streamlined verification process minimizes consumer friction.
Use Cases:
- Lenders & Fintechs: Confirm income instantly for consumer, auto and personal loans.
- BNPL & Digital Lending: Validate applicant income at point of onboarding or offer creation.
- Mortgage & Housing: Automate verifications for fast, compliant loan processing.
- Credit Unions & Banks: Improve member verification accuracy while reducing manual reviews.
- Risk & Fraud Management: Detect overstated income or inconsistent employment data early in the application process.
Integration & Workflow:
Agility Credit's RESTful API delivers verified income and employment data directly into your systems or credit reports.
- Integrates with The Work Number, Experian Verify and open banking providers for credentialed verification.
- Supports real-time data formatting (JSON, XML, or PDF) and includes configurable analytics dashboards for cash flow visualization.
Compliance & Security:
- FCRA and GLBA compliant
- SOC 2-certified infrastructure
- AES-256 encryption for data in transit and at rest
- Consumer consent and credentialing for open banking
- Full audit logs and traceability across all verifications
Get Started:
Unlock the power of verified income, employment and cash flow analytics — all within Agility Credit's secure, compliant ecosystem. Our platform delivers the data and insights lenders need to make faster, more informed decisions.
