Argyle vs MicroBilt SPOT Employment Locator

Argyle provides income, employment, and asset verification using information consumers authorize it to obtain from payroll, bank, and document sources. Consumers can share current payroll and employment details, connect bank accounts to verify assets and income deposits, or upload paystubs and W-2s for processing. Doc VOI extracts income information and submits it to Freddie Mac’s AIM Check. The API offers standardized reports, granular datasets, real-time visibility, webhook alerts, and REST integration. Argyle names integrations for point-of-sale systems and mortgage loan origination systems, and is an authorized supplier for Fannie Mae’s Desktop Underwriter validation service and an approved provider for Freddie Mac AIM. The company says it covers about 90% of the U.S. workforce and returns more than 170 income data fields with supporting documents. Implementation can use the browser-based Argyle Console or a custom API integration. Argyle lists SOC 2 Type II, ISO 27001, RSA 4096 encryption, SHA-256 signing, and annual independent security audits. Pricing is on request.

MicroBilt SPOT Employment Locator identifies a person’s current and past employment by combining consumer lending applications, bank headers, alternative credit-history databases, and compiled third-party data. Reports can cover employment at up to six employers. Listed details include employer names, phone numbers and addresses, a phone-status indicator, and the first and last dates each employer was reported. Access is available through a web interface, batch delivery, and an API. MicroBilt describes the service for collection and recovery professionals locating a workplace, HR and hiring managers conducting employment-history checks, and financial institutions or lenders assessing creditworthiness. The company says its systems use 256-bit encryption with TLS 1.3 and undergo independent third-party audits and vulnerability testing. It also states that consumer credit reports must be used only for permissible purposes and that customers must retain supporting transaction documentation. MicroBilt began in 1978 as Equipment Resources Incorporated and is headquartered in Kennesaw, Georgia. Pricing is on request, with prospective customers directed to a customer success agent.