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In March 2023, FormFree announced the strategic divestiture of AccountChek to Informative Research (IR), a subsidiary of Stewart Information Services Corporation. FormFree maintains a close strategic partnership with IR, and AccountChek lives on as an integrated component of IR’s Verification Waterfall. For more information, visit

Divesting AccountChek has allowed FormFree to focus on products that advance our mission of democratizing lending for all humans. That includes PASSPORT®, our first-of-its-kind mobile application that verifies and perpetually updates a consumer’s comprehensive Financial DNA®, and the Residual Knowledge Income Index™ (RIKI™), our innovative method for evaluating consumer creditworthiness based on residual income analysis.

“FormFree changed the lending industry when we helped launch its digital transformation, and we’re ready to change it again by ushering in a new era of consumer empowerment and expanding access to credit to all people. We’re leaving AccountChek knowing in great hands, and we look forward to maintaining a close strategic partnership with Informative Research during our next chapter as we work to create new avenues for lenders to responsibly serve credit invisibles and other underserved populations.”


— Brent Chandler, FormFree Founder & CEO