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.First American Mortgage SolutionsSarma
Advanced DataConsolidated Information Services, Inc.Informative ResearchService First Information Solutions
Advantage Credit BureauCoreLogicInformation Searching CompanySettlementOne Data, LLC
Advantage Credit, Inc.Credit Data Solutions DBA Service 1st Information ServicesKCB Credit, LLCStrategic Information Resources
Advantage Plus Credit Reporting, Inc.Credit Information SystemsLenders OneSharper Lending
Alliance 2020Credit PlusLenderworksTruework
American Reporting CompanyCredit Technologies, Inc.Merchants Credit Bureau, Inc.UnitedOne
Avantus Corp.Credit Technology, Inc. (CTI)Meridian LinkUniversal Credit Services
Birchwood Credit ServicesDataVerifyMFI Credit SolutionsVeri-Tax
CBCInnovisEmpInfoNCS (National Credit-reporting System, Inc.)Xactus
Certified Credit Reporting, Inc.EquifaxOne Source 
CIC Mortgage Credit, Inc.ExperianPartners Credit & Verification Solutions 
CISCO CreditFactual DataPremium Credit Bureau 
4506-Transcripts.comCredit PlusMortgage Service Providers
Accudata Credit SystemsCredit Technologies, Inc.Network Credit Services
Accurate FinancialData Facts, Inc.New Vista Solutions
ACRAnet, Inc.EquifaxOnline Information Services
Advanced DataExperianPartners Credit & Verification Solutions
Advantage Credit, Inc.Expert Global Solutions, Inc.PointServ
Advantage Plus Credit Reporting, Inc.First American Mortgage SolutionsPrecision Data Research
Alliance 2020Gooi Mortgage, Inc.Sarma
American Reporting CompanyInformative ResearchSettlementOne Data, LLC
Avantus Corp.LenderPriceSharperLending LLC
BankVODLenderworksStrategic Information Resources
BeSmarteeLendSmartSunrise Credit Services
Birchwood Credit ServicesMerchants Credit Bureau, Inc.UnitedOne
Certified Credit Reporting, Inc.MeridianLink, Inc.Universal Credit Services
CIC Mortgage Credit, Inc.MFI Credit SolutionsVeri-Tax
CIS CISCO CreditMidwest Mortgage Credit ServicesWolters Kluwer
CoreLogicMortgage Document Solutions 
Credit Information SystemsMortgage Hippo 
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.