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Answers to your frequently asked questions

• What kinds of employment and income verification services are available on the market, and what makes them different?

  Many businesses verify income and employment through a third-party, digital income verification tool. Some of these tools rely on verification databases, others rely on banking and asset data, and still others—like Argyle—leverage direct payroll connections.

  The main difference between these types of digital income verification tools is the source and quality of the data they use. For instance:
  Verification databases don’t offer comprehensive datasets, and the data is usually outdated by at least a few weeks, if not longer, which can misrepresent critical information like employment status. They also aren’t capable of pulling income documents like paystubs and W-2s.

  • Verification databases don’t offer comprehensive datasets, and the data is usually outdated by at least a few weeks, if not longer, which can misrepresent critical information like employment status. They also aren’t capable of pulling income documents like paystubs and W-2s.
  • Income verification software that relies on banking and asset data also doesn’t offer complete visibility into income and employment because this software can only “see” what’s been deposited in consumers’ financial accounts. It doesn’t have access to data fields like gross income or payroll deductions. It also can’t confirm employment status with certainty.
  • Income and employment verification services that leverage payroll connections are effective and reliable because the data they use comes directly from the source of truth (i.e., consumers’ payroll records) in real time. This offers businesses comprehensive visibility into consumers’ income and employment, and they can be confident that the information is accurate.