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We've expanded the capabilities of our signature product to provide you direct-source income and employment data at a fraction of the cost of other popular solutions.

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Paper Free. Hassle Free. FormFree.

FormFree understands where consumer data resides, how to gain access to it and most importantly, how to make it actionable for everyone.

FormFree is a market-leading technology company whose patented technology is building a more transparent and inclusive credit and capital market by enabling creditors to understand a person’s ability-to-pay (ATP) and willingness-to-pay.

Brent A. Chandler

Founder of FormFree

Chandler founded FormFree in 2008 after his own frustrating home-buying experience fueled an obsession with making loans simpler and safer for everyone. A widely recognized innovator in mortgage and financial services technologies, Brent has nearly 25 years of experience on the leading edge of personal finance.

FormFree’s Vision

Everybody borrows money, and everybody has an ability to pay some amount. Our vision is to leverage source data and data-driven intelligence to usher in a new era of transparent, fair and liquid credit markets.

FormFree’s Mission

Our mission is to make lending more inclusive by capturing a holistic view of each consumer’s unique Financial DNA® and making that data available to consumers and lenders alike as a non-fungible token (NFT).