Argyle vs The Work Number

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.

The Work Number provides automated employment and income verification using information gathered from employers and payroll processors. Credentialed verifiers can use the information when reviewing credit applications; employers and government agencies also receive data for uses such as public assistance eligibility and child support enforcement. Instant employment verification can include start date, tenure, and job title, while income verification can include current and historical base pay, commission, bonuses, and overtime. The information is updated each pay period, and instant checks are described as available 24/7. If a record is not available instantly, specialized agents can contact the employer; the stated research time is 1–3 business days. Lenders can access the service through Equifax or through prebuilt integrations with over 60 loan origination systems. A connected workflow can reduce separate logins and manual steps and support digital prepopulation. Lender setup includes confirming an integration with an Equifax account manager, receiving credentials, and testing before launch. Equifax Workforce Solutions, LLC, a wholly owned Equifax subsidiary, operates the service. Pricing is on request. Consumers can request a free report or a freeze of their consumer report.