Automated employment and income verification with The Work Number

Who can use this feature

Automated employment and income verification is available to customers on all plans. Verifications can be completed for employees and contractors if:

• Their lender requested the verification using The Work Number.
• Your company has not opted out.

About verifications

Employment or income verification is often requested as part of the application process for loans, credit, leases, government assistance, or for another permissible purpose under the Fair Credit Reporting Act (FCRA).

Why automated verification

Automated verification is available 24/7, can help improve opportunities for employees and contractors, and can help reduce the risk of manual errors when responding to these requests.

It saves the employer time from manually pulling employee or contractor information and sending it to their lenders, creditors, or government agencies. For your team members, faster verifications can mean faster access to the things they need and a lower chance of you getting stuck in the middle of their application process.

The Work Number follows the law and only shares data with approved lenders or agencies, using the highest privacy standards.

How The Work Number protects data privacy and security

Credentialed verifiers must obtain consent from your employees and contractors to request, access, and use employment and income information from The Work Number when they apply for a loan, lease, credit, or government benefit. Data can only be accessed by credentialed verifiers with auditable and permissible purposes as governed by the Fair Credit Reporting Act (FCRA). The Work Number is governed by the FCRA and uses the latest security controls and certifications to keep data safe for more than 3 million employers of all sizes and industries. 

Who can request employment and income information

Only credentialed verifiers such as lenders, creditors, or government agencies can request employment and income information from The Work Number.

The information provided generally can be proof of employment and/or income, such as salary or wage information, depending on the request.

Not every lender uses The Work Number. If the lender or verifier does not use The Work Number, or if your company has opted out, your employees or contractors may ask you for support with verifications directly. This may include:

• Providing your employee or contractor with a manual employment or income letter.
• Instructing your employee or contractor to provide their lender with recent pay stubs or tax forms.
• Following other instructions requested by the lender.

Full access admins can opt their company out of this benefit at any time:

1. Sign in to your Gusto admin account.
2. Go to the Settings section. 
3. Click the Customization tab.
4. Next to “Employment and income verification,” click the toggle to turn it off.

If you want to opt in again later, you can turn it back on anytime.