It's time to change the way you lend.

Ready to get started? Complete this form and our sales team will be in touch promptly.

We are FormFree and we make credit happen.

Meet Ethan. His Financial DNA is as unique as his thumbprint.

Get to know every consumer’s Financial DNA.

Every person’s Financial DNA is unique, just like their human DNA. Everyone’s Financial DNA has the same six building blocks: identity, assets, employment, income, credit and public records. Turning Financial DNA into actionable intelligence supercharges customer inclusion, engagement, acquisition, decisioning and retention.

Identity.

Know people better than before.

Our secure biometric technology verifies identity beyond a shadow of a doubt.

Assets.

Utilize cash flow intelligence.

Get direct-source checking, savings, retirement and investment account data in seconds using our asset verification tool.

Employment.

Get accurate employment data.

Universal payroll access to millions of working Americans and direct deposit data make for powerful, high-conversion employment verification.

Income.

Verify income in seconds.

Direct-source data, over two months of sequential paystubs and asset account data give creditors a holistic income picture.

Credit.

More than a traditional “score.”

Our proprietary modeling along with credit risk and resiliency intelligence enhance acquisition and retention strategies, inclusion and portfolio due-diligence.

Public Records.

Avoid unwanted surprises.

Using our verification intelligence, we sweep public records to check for tax liens or civil judgments that could prevent a closing.

Decode your customer’s Financial DNA and make better lending decisions.

Passport™ mobile app brings critical customer Financial DNA and intelligence right to the front.

Looking for a solution integrated with your existing systems? Look no further than AccountChek®.

Fund more loans faster.

Save hours of manual work by automating asset, employment and income verification in a single report.

It’s time to change the way you lend.

Ready to get started? Complete this form and our sales team will be in touch promptly.