Applications & Technology

DU Validation Service Verification Report Vendors & Approved Vendor Tools

Simplify the Cycle

Take advantage of the Desktop Underwriter® (DU®) validation service, which uses third-party data vendors to independently validate borrower income, employment, and asset data, providing our lenders with Day 1 Certainty® on validated loan components. By digitally validating secure third-party data through DU, you can help eliminate the paper chase and help get your borrowers approved quickly. In addition, other approved vendor tools may provide relief from representations and warranties.

Lenders may participate in the DU validation service through relationships with vendors of their choice if those vendors provide validation reports accepted by Fannie Mae. To mitigate the risk that Fannie Mae assumes by offering representation and warranty relief on validated loan components, we have a structured process and guidelines for determining eligible verification reports. However, vendors and other approved vendor tools are subject to lenders’ requirements and approval processes.

Updated April 2024

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Authorized verification report suppliers

These companies have entered into an agreement with Fannie Mae to participate in the DU validation service. They generate the report and send the report data electronically to the DU validation service.

Authorized verification report distributors

These companies have not entered into an agreement with Fannie Mae but have an agreement with one or more of the eligible report suppliers listed above. The report provider (not the distributor) sends the report data electronically to the DU validation service.

ACRAnet, Inc.Clear Choice Credit Corp.Informative ResearchVeri-Tax
Advanced DataConsolidated Information Services, Inc.Lenderworks 
Advantage Credit BureauCoreLogicMeridian Link 
Advantage Credit, Inc.Credit Information SystemsNCS (National Credit-reporting System, Inc.) 
Advantage Plus Credit Reporting, Inc.Credit PlusOne Source 
Alliance 2020Credit Technologies, Inc.Partners Credit & Verification Solutions 
American Reporting CompanyCredit Technology, Inc. (CTI)Premium Credit Bureau 
Avantus Corp.DataVerifySarma 
Birchwood Credit ServicesEmpInfoSettlementOne Data, LLC 
CBCInnovisEquifaxStrategic Information Resources 
Certified Credit Reporting, Inc.ExperianSharper Lending 
CIC Mortgage Credit, Inc.Factual DataTruework 
CISCO CreditFirst American Mortgage SolutionsUniversal Credit Services 
4506-Transcripts.comCredit PlusMortgage Hippo
Accudata Credit SystemsCredit Technologies, Inc.Mortgage Service Providers
Accurate FinancialData Facts, Inc.Network Credit Services
ACRAnet, Inc.DataVerifyNew Vista Solutions
Advanced DataEquifaxOnline Information Services
Advantage Credit, Inc.ExperianPartners Credit & Verification Solutions
Advantage Plus Credit Reporting, Inc.Expert Global Solutions, Inc.PointServ
Alliance 2020First American Mortgage SolutionsPrecision Data Research
American Reporting CompanyGooi Mortgage, Inc.Sarma
Avantus Corp.Informative ResearchSettlementOne Data, LLC
BankVODLenderPriceSharperLending LLC
BeSmarteeLenderworksStrategic Information Resources
Birchwood Credit ServicesLendSmartSunrise Credit Services
Certified Credit Reporting, Inc.Merchants Credit Bureau, Inc.UnitedOne
CIC Mortgage Credit, Inc.MeridianLink, Inc.Universal Credit Services
CIS CISCO CreditMFI Credit SolutionsVeri-Tax
CoreLogicMidwest Mortgage Credit ServicesWolters Kluwer
Credit Information SystemsMortgage Document Solutions 
Accudata Credit SystemsFraud Technology
ACRAnet, Inc.Funding Suite
Advantage Credit BureauICE Mortgage Technology
Advantage Credit, Inc.Information Searching Company
Advantage Plus Credit Reporting, Inc.Lenders One
American Reporting CompanyMerchants Credit Bureau, Inc. (MCB)
Birchwood Credit ServicesMFI Credit Solutions
CBCInnovisMicrobilt
Certified Credit Reporting, Inc.Mortgage Service Providers
CIC Mortgage Credit, Inc.NCO Credit Services
CISOne Source
Clear Choice Credit Corp.Precision Data Research
Credit Data Systems, Inc.Pro Com Services
Credit Information SystemsSarma
Credit PlusSettlementOne Data, LLC
Credit Technologies, Inc.Service First Information Services
Data Facts, Inc.Strategic Information Resources
EMSITrans Union
ExperianUnitedOne
Factual Data 

 

Click here to view an easily sortable list of eligible verification reports and the authorized report suppliers and distributors who provide the reports.

Authorized Report Providers work with various integration technology providers to support the automated ordering and delivery of the verification reports. AvantusCoreLogicEquifaxFirst American Mortgage SolutionsFormFreeNCS (National Credit-reporting System, Inc.)SharperLending, and Veri-Tax post lists of integration technology providers with which they have relationships. Please contact the technology provider directly for more information on the specific integrations and services they provide.

NOTE: Fannie Mae does not endorse any particular vendor, and does not represent or warrant that any report supplier will meet a lender's requirements. Lenders must establish controls to manage and monitor the vendors in accordance with their own regulatory requirements.

Fannie Mae is committed to ensuring that vendors on our platform are providing high-quality data. As part of our ongoing vendor monitoring, we encourage lenders to report any data discrepancies they see in any third-party verification reports to the Day 1 Certainty Data Discrepancy Mailbox.