Industry Leading Mortgage Lending Technology

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.

Financial DNA is unique, just like 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.

Certify cash flow intelligence.

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

Employment.

Instantly confirm employment.

Validate current and past work status of millions of Americans securely.

Income.

Verify income in seconds.

Direct-source income data and required paystubs creates the most accurate income picture available.

Credit.

More than just the “score.”

Our proprietary algorithms and credit-risk and resiliency intelligence enhance customer acquisition, financial inclusion, due-diligence and retention.

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.

Our 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®.

Explore Passport®

Explore AccountChek®

Fund more loans faster.

Streamline your workflow by automating asset, employment and income verification with powerful intelligence in a single report.

AccountChek®

It's time to change the way you lend.