Clear Verify vs Equifax Identity Matching

Clear Verify is a web service for employment and income verification for employers, employees, and verifiers. The service says it can reduce verification waits from 3–10 days to minutes. Employees can use My Verify to start requests, review employment data, challenge outdated information, and download standard reports. The Verification Inbox lets employers, employees, and verifiers monitor progress, inspect activity logs, and download reports. Employers work with Clear Verify during implementation to arrange automated payroll file uploads, and audit trails record upload changes. The service checks that verifiers are legitimate and credentialed. Clear Verify states that it complies with federal and state CCPA and FCRA regulations, and it requires or encourages multi-factor authentication for sensitive data. The company says it does not sell employee data and shares employment data only with authorized access. Its website is mobile-friendly, while a mobile app is listed as coming soon. The Employers plan costs nothing, with $0 setup fees, $0 monthly fees, and $0 integrations. Commercial verifiers pay a transaction fee for employment and wage data; government verification requests are free.

Equifax Identity Matching links customer information held in disconnected sources, including records where names or addresses differ. It assigns persistent consumer identifiers and can create consumer, household, and address keys, helping organizations form a single customer view. Equifax says it compares multiple datasets and data-element combinations, and can combine company records with consumer credit and specialty finance data. Matching and updates are described as cloud-based and near real time, with incremental key changes available through delta services. Delivery options include batch services, an online API, and cloud-native Keying as a Service in Snowflake or Google Cloud Platform BigQuery environments. Confidential Keying keeps raw personal information in a customer cloud environment. Data is encrypted and tokenized, usage is regulated by GLBA, and processes are regularly validated. OAuth 2.0 client credentials secure APIs; production access requires credentials and whitelisted IP addresses. Pricing is on request.