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Verification of Employment and Income (VOE/VOI)

Employment and Income Verification Services

Our VOE services help prevent fraudulent attempts at obtaining a loan, and save you time by providing a reliable and streamlined way to verify an applicant’s employment information. We personally research each applicant to verify employment information, such as current and previous employment, full or part-time status, and length of employment.

Convenient and Reliable Verification

  • Verify an applicant’s employment status and history
  • Avoid fraudulent loan attempts
  • Automated verification available via The Work Number for delivery within minutes
  • Each applicant personally and thoroughly researched
  • Easy online ordering through multiple Credco platforms and LOS'

Accelerated Processing Via The Work Number

Accelerated VOE/VOI processing through automated solutions, such as those offered through The Work Number®. The Work Number, from Equifax Verification Services, is the largest collection of payroll records contributed directly from over 3,300 employers nationwide, including more than 70 percent of the Fortune 500 and the majority of federal government civilian employers.

Third Party Verifications for QM/CFPB Compliance

Our VOE/VOI solution provides documented, third party verification - either as a primary verification, or to provide reverification prior to closing, helping you maintain compliance with Qualified Mortgage regulations.

Improved and Faster Underwriting

A combined VOE/VOI solution is ideal for rapidly verifying your applicant’s current income - used in calculating DTI ratios. It provides an updated view of income that may be more current than the available tax returns or prior year W2s.

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