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 October 2023

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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 Research Veri-Tax
Advanced Data Consolidated Information Services, Inc. Lenderworks
Advantage Credit Bureau CoreLogic Meridian Link
Advantage Credit, Inc. Credit Information Systems NCS (National Credit-reporting System, Inc.)
Advantage Plus Credit Reporting, Inc. Credit Plus One Source
Alliance 2020 Credit Technologies, Inc. Partners Credit & Verification Solutions
American Reporting Company Credit Technology, Inc. (CTI) Premium Credit Bureau
Avantus Corp. DataVerify Sarma
Birchwood Credit Services EmpInfo SettlementOne Data, LLC
CBCInnovis Equifax Strategic Information Resources
Certified Credit Reporting, Inc. Experian Sharper Lending
CIC Mortgage Credit, Inc. Factual Data Truework
CISCO Credit First American Mortgage Solutions Universal Credit Services Credit Plus Mortgage Hippo
Accudata Credit Systems Credit Technologies, Inc. Mortgage Service Providers
Accurate Financial Data Facts, Inc. Network Credit Services
ACRAnet, Inc. DataVerify New Vista Solutions
Advanced Data Equifax Online Information Services
Advantage Credit, Inc. Experian Partners Credit & Verification Solutions
Advantage Plus Credit Reporting, Inc. Expert Global Solutions, Inc. PointServ
Alliance 2020 First American Mortgage Solutions Precision Data Research
American Reporting Company Gooi Mortgage, Inc. Sarma
Avantus Corp. Informative Research SettlementOne Data, LLC
BankVOD LenderPrice SharperLending LLC
BeSmartee Lenderworks Strategic Information Resources
Birchwood Credit Services LendSmart Sunrise Credit Services
Certified Credit Reporting, Inc. Merchants Credit Bureau, Inc. UnitedOne
CIC Mortgage Credit, Inc. MeridianLink, Inc. Universal Credit Services
CIS CISCO Credit MFI Credit Solutions Veri-Tax
CoreLogic Midwest Mortgage Credit Services Wolters Kluwer
Credit Information Systems Mortgage Document Solutions  
Accudata Credit Systems Fraud Technology
ACRAnet, Inc. Funding Suite
Advantage Credit Bureau ICE Mortgage Technology
Advantage Credit, Inc. Information Searching Company
Advantage Plus Credit Reporting, Inc. Lenders One
American Reporting Company Merchants Credit Bureau, Inc. (MCB)
Birchwood Credit Services MFI Credit Solutions
CBCInnovis Microbilt
Certified Credit Reporting, Inc. Mortgage Service Providers
CIC Mortgage Credit, Inc. NCO Credit Services
CIS One Source
Clear Choice Credit Corp. Precision Data Research
Credit Data Systems, Inc. Pro Com Services
Credit Information Systems Sarma
Credit Plus

SettlementOne Data, LLC

Credit Technologies, Inc. Service First Information Services
Data Facts, Inc. Strategic Information Resources
EMSI Trans Union
Experian UnitedOne
Factual Data  

LoanBeam FNMA SEI 1084 Workbook performs automated calculations of self-employment income; the calculations, not the underlying data, may be eligible for rep & warrant relief. Phone 855-544-2326.

Learn more.


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.