IEValidate®
Instant income and employment verification on 100% of applications in a single API call.
Request a DemoVerify Income. Detect Fraud. Clear Every Application.
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Universal Application Coverage
Where traditional employer databases return a hit on only 30-40% of applicants, IEValidate delivers a response on every single file.
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Paystub Stipulations Waived
Lenders using IEValidate typically eliminate paystub requests on the majority of approvals – reducing friction and protecting pull-through.
Lower Cost Than Alternatives
Traditional solutions cost up to $20+ per hit and cover fewer than half your applicants. IEValidate delivers broader intelligence at a fraction of the cost.
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Income Reports Powering Our AI
IEValidate evaluates 40+ features – employer, occupation, region, age, tenure, and application history – informed by proprietary attributes from consortium applications.
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Confidence Checks Per Report
Each report includes 8 pass/fail confidence checks assessing recency, consistency, employer integrity, and historical application patterns.
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Increase in Booked Deals
By removing unnecessary POI stipulations, lenders see an average increase in loans captured by 21%.
Two Signals. One Truth.
IEValidate True Income & Employment returns Observed and Modeled Income together in a waterfall approach – each answering a different question, together covering 100% of your applications.
Understanding the Difference
Each report answers a fundamentally different question. Together they give you coverage no single verification method can match.
Observed Income
What was actually reported
Modeled Income
What they should be earning
Stop Overpaying for Income Verification
See how IEValidate True Income & Employment can cut your costs and catch more fraud.
Talk to Our TeamIntelligence No Single Lender Can Create Alone
IEValidate is powered by the largest lending fraud consortium in the country – continuously enriched by 3 million new records every month and spanning both credit-visible and credit-invisible populations.
This data foundation is why the Modeled Income AI outperforms any institution’s internal model: it is informed by proprietary attributes derived from the applications of 650+ contributing lenders, not just your own portfolio.
How IEValidate Compares
Most income verification approaches solve only part of the problem. IEValidate is the only solution built to cover 100% of applicants while simultaneously detecting misrepresentation.
| Capability | IEValidate | HR / Payroll Aggregators | Open Banking (Credentials) |
OCR / Document Services | Manual Paystub Review |
|---|---|---|---|---|---|
| Coverage & Availability | |||||
| 100% applicant coverage | ~ | ~ | ~ | ||
| Real-time response | ~ | ||||
| No consumer action required | |||||
| Fraud Detection | |||||
| Detects income misrepresentation | ~ | ~ | ~ | ||
| Fake employer detection | ~ | ||||
| Consortium fraud pattern detection | |||||
| Compliance & Cost | |||||
| FCRA compliant for adverse action | ~ | ~ | |||
| Low per-application cost | ~ | ~ | |||
| Zero consumer friction | |||||
Lender Performance After Deployment
Real numbers from lenders who deployed IEValidate True Income & Employment as step one in their income verification process.
Buy What You Need
Four deployment modes to match your risk strategy and budget.
Observed Only
Return observed income only when there is a consortium match. Verified data on returning borrowers.
Modeled Only
Run the modeled income score on every application to assess overstatement risk and obtain a predicted income.
Waterfall Mode
Start observed, fall through to modeled on no-hit or low confidence. Maximum coverage, minimum cost.
Full Attributes
Both reports plus transaction grids, default scores, and all risk attributes for your analytics team.
See IEValidate True Income & Employment in Action
Book a personalized demo and see how a single API call can clear 100% of your applications while detecting the income misrepresentation hiding in your portfolio.
