Is That Employer a Real Business?

Point Predictive introduces EmployerCheck™, the lending industry’s only consortium data and Artificial + Natural Intelligence™ solution that provides a prediction of employer and source of income legitimacy. Almost anyone can create a completely fictitious business that appears genuine to loan reviewers. EmployerCheck gives you a reliable signal for when to ask your applicant for more information on their sources of income.

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Fictitious Employers & False Sources of Income
Some untrustworthy borrowers think that they can fool lenders into believing that they are employed by fictitious companies. Fraudsters will even setup websites, internet listings, and an answerable telephone number where a live person will confirm employment and income.
How It Works

EmployerCheck provides a detailed, sub-second response to a lender’s employer inquiry. The lender only needs to provide an employer name and phone number to generate an EmployerCheck Report, which includes at least 11 risk factors that can help determine whether to request additional verification materials from the borrower. EmployerCheck, on average, will find a match to the stated employer about 90% of the time, and the results can be integrated into any commercial loan origination system.

Why Use It?

Traditional data sources used for verifying sources of income fail to detect more fraud and misrepresentation on loan applications because they only cover large corporates or small sets of confirmed historical fraud.

EmployerCheck is uses Point Predictive’s loan industry consortium data set, which contains over 17 million legitimate and suspicious employers claimed on nearly 100 million loan applications. Every EmployerCheck prediction of source of income is as accurate it can possibly be.


EmployerCheck helps lenders analyze a prospective borrower's stated sources of income to determine if further verification is necessary.