Instant

Truework Instant returns income and employment verification results for over 40 million employees within seconds, all while maintaining consumer privacy and consent.

Using Instant in your workflow creates an efficient mechanism for verifying a consumer’s income and employment, in real time, through our API partnership network that includes dozens of the biggest payroll providers and hundreds of employers. Verifications are submitted by sending the appropriate employee information and authorization through Truework’s verification API. Once a verification is submitted, Truework automatically queries our Instant data network and can immediately return up to three years of income and employment data along with a standardized report. Every report returned is Fannie Mae Day 1 Certainty (D1C) eligible.

Truework Instant is speedy, cost-effective, and reduces workflow friction for use cases, such as:

• Pre-approvals
• Auto lending
• Consumer lending
• Credit card
• Other price or time sensitive applications

Getting started on your implementation is quick, easy, and, best of all, self-serve! All you need to do is create a Truework Account, and generate an API key to use the Truework Sandbox. When you are ready to move to Production simply reach out to implementations@truework.com. Now, let’s get started!

How to implement

Integrating with Truework Instant is quick and easy, only requiring a few steps to send out your first verification! As a reminder, you will need to create a Truework Account, and generate an API key for the Truework Sandbox in order to begin development.

There are three steps to implement Truework Instant:

Step 1: Create an employer search order

To start, you’ll need to create an employer search order. This will conduct a synchronous search of all our instantly available data. You may choose to add parameters to customize your request and choose different specifications and/or filters related to Automated Underwriting System (AUS) eligibility or relevant employments (e.g. current employers, previous employers, etc.)

Step 2: Check your results

When the request comes back from the employer search order endpoint, it will have any results that were found right in the response.

• With Truework Instant, there are only two outcomes – completed or canceled. If the request is canceled, it means there was not a hit on our Instant network, and you will not be charged for the call. If there was a confirmed hit on the consumer identity, then one or more reports will be returned back to you.

• If the request is canceled, you may opt to move to Truework Credentials, Truework Documents, or Truework Smart Outreach to complete the verification.

Note: Both Credentials and Smart Outreach require you to provide an employer to Truework to submit the request.

Fannie Mae Day 1 Certainty

On eligible reports, the Truework Instant network includes a du_reference_id. If you are interested in taking advantage of D1C, submit the du_reference_id to Fannie Mae’s Desktop Underwriter system to get collateral rep and warranty relief, which provides the lender with information about eligibility for relief from reps and warranties related to property value, reducing a lender’s risk of repurchase due to collateral-related defects.

Conclusion

That’s it! You’re ready to implement Truework Instant to power your workflows. Head over to the Truework Sandbox and get started! With these tips you should be able to get up and running in less than a day.

Need some help? Not a problem, our team is here to help: Get help.