Equifax Identity Matching vs MicroBilt SPOT Employment Locator
Equifax Identity Matching
developer.equifax.comMicroBilt SPOT Employment Locator
microbilt.comSide by side
| Figure | Equifax Identity Matching | MicroBilt SPOT Employment Locator |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 0 |
| Spec score · Employment Verification Software | 7.9 (#6) | 6.9 (#23) |
| Founded | 1899 | 1978 |
| Headquarters | Atlanta, Georgia, United States | MicroBilt lists its mailing address as 1000 Cobb Place Blvd NW, Ste 407 Bldg 400, Kennesaw, Georgia 30144. |
| Purpose | Identity Matching identifies and links customer information across disconnected data sources, including when names or addresses vary. | SPOT POE Database identifies an individual’s current and past employment records using combined data sources. |
| Security | Equifax says Identity Matching data undergoes encryption and tokenization to support data privacy and compliance controls. | MicroBilt says its systems use 256-bit encryption with TLS 1.3 and that it conducts independent third-party audits and vulnerability testing. |
| Use cases | Equifax lists CRM improvement, identifying unique customers, customer retention through targeting and personalization, and reducing data integration and collection costs as use cases. | MicroBilt describes use by collection and recovery professionals, HR and hiring managers, and financial institutions and lenders. |
Plans
In their own words
Equifax Identity Matching
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.
MicroBilt SPOT Employment Locator
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.