Employment, Income & Deposit Verification
Verify Employment, Income & Assets — All in One System.
Order VOE, VOI, and VOD through Credit Technologies — leveraging a database of 220 million+ employment records and instant digital statements from 15,000+ financial institutions. Fast, compliant, and fully integrated.
- 220M+ Employment Records
- GSE Approved (VOD)
- FNMA LQI Compliant
- Instant Results
What’s Included
Employment, Income & Asset Verification in One Place
Stricter federal and investor requirements mean VOE, VOI, and ability-to-repay verifications are now universal standards. Credit Technologies makes all three fast, accurate, and compliant.
Verification of Employment (VOE)
Verify applicant employment in seconds — employer name, headquarters, job title, employment status, and length of time with employer, sourced directly from employer records.
Verification of Income (VOI)
Confirm ability to repay with complete compensation records — wages, bonuses, commissions, overtime, historical payment data, and projected pay increases.
Verification of Deposit (VOD)
AccountChek™ provides instant digital statements from 15,000+ financial institutions — eliminating paper bank statements and VOD forms. GSE-approved and FCRA/HUD compliant.
220M+ Employment Records
Leverage a database of more than 220 million employment and income records from over 2,500 employers — updated every payroll cycle for the most current data.
QM & Ability-to-Repay
Meet Truth in Lending Act (Regulation Z) ability-to-repay and Qualified Mortgage standards, Fannie Mae LQI requirements, and CFPB/Dodd-Frank compliance.
Fully Integrated Platform
Employment, income, credit, IRS, and fraud detection data all streamlined in one easy-to-use system. No separate vendors, no separate invoices.
How It Works
From Request to Verified in Seconds
Submit Borrower Information
Provide the borrower's name and Social Security number through Credit Technologies or your LOS. Select VOE, VOI, VOD, or any combination.
Instant Database Match
Employment and income records are returned instantly from the database. For VOD, AccountChek sends a secure link to the borrower's device for digital statement retrieval.
Researched Fallback if Needed
If instant data isn't available, a researched verification is automatically initiated and completed with fully documented results via FNMA Form 1005.
Pre-Close Re-Verification
Fast re-verifications prior to loan closing confirm nothing has changed — ensuring employment, income, and asset status remain current through funding.
Included: AccountChek™ (VOD)
Automate Your Deposit Verification Process
AccountChek™ automates the process of verifying a borrower’s financial resources and ability to repay — eliminating paper bank statements and VOD forms. Borrowers can complete the process from any smartphone or tablet, providing a faster, more secure method for documenting deposit and asset information.
- Instant digital statements from 15,000+ financial institutions
- Approved by all GSEs including Freddie Mac and Fannie Mae
- FCRA/HUD approved — meets CFPB and Dodd-Frank standards
- Fully encrypted and SSAE 16 compliant
- Accessible from any smartphone or tablet
VOD Pricing
Automate your Verification of Deposit process with AccountChek™. Contact our team to learn about current pricing and volume options for your organization.
Schedule a Demo →Ready to Streamline Employment, Income & Asset Verification?
Join 15,000+ mortgage professionals who verify employment, income, and assets through Credit Technologies — instant results, full compliance, one integrated system.