Clear Verify vs Truework

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 Employees can use My Verify to start requests, review employment data, challenge outdated information, and download standard reports.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.

Truework is a paid income and employment verification service for mortgage lenders. It draws on payroll, tax, bank, and employer data, then completes checks through Instant Network, Credentials, and Smart Outreach methods. Routing selects a method expected to finish quickly according to the customer’s plan and configuration. Truework says it can verify more than 97% of U.S. workers and describes its reports as unified and GSE-ready. Teams can work in the web app without another integration, connect through a REST API, or use listed LOS connections such as Encompass and Empower and POS integrations such as Blend and nCino. Requests require evidence of consumer consent and are handled under the FCRA. Stated protections include encryption at rest and in transit, TLS 1.2 or greater, and tokenization. Plans list $19.95, paid once for VOE reverification, $59.95, paid once for Standard VOE, and $64.95, paid once for Standard VOI.