DU Validation Service Verification Report Vendors & Other Approved Vendor Tools

The Desktop Underwriter® (DU®) validation service uses third-party data vendors to independently validate borrower income, employment, and asset data, providing our lenders Day 1 Certainty® on validated loan components. Fannie Mae has an open platform for data vendor participation to provide choices to our customers. Lenders may participate in the DU validation service through relationships with vendors of their choice that can provide Day 1 Certainty validation reports accepted by Fannie Mae. See below for a list of vendor options and eligible reports.

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.

Vendors for Lender Use (as of April 10, 2020)

This vendor information is provided for informational purposes only. CoreLogic, DataVerify, Equifax, Finicity, FormFree, MeridianLink, Inc., NCS (National Credit-reporting System, Inc.), and SharperLending also post lists of vendors with which they have relationships who are distributors of the eligible verification reports*. Lenders with questions should contact the vendor or their Fannie Mae customer account team. Lenders should also ensure that they order the appropriate verification reports from these participating vendors.

*Eligible Verification Reports

Currently the DU validation service accepts the following eligible reports:

Verification Reports Available from Vendor

Click here to view an easily sortable list of vendors who provide Fannie Mae approved verification reports.

(Click below to expand)

ACRAnet, Inc. CoreLogic*
Advanced Data* Credit Information Systems
Advantage Credit Bureau Credit Plus Inc.*
Advantage Credit, Inc. Credit Technologies, Inc.
Advantage Plus Credit Reporting, Inc. Credit Technology, Inc. (CTI)
Alliance 2020 DataVerify*
American Reporting Company Equifax*
Avantus Corp. Factual Data
Birchwood Credit Services First American Mortgage Solutions
CBCInnovis Informative Research
Certified Credit Reporting, Inc. Partners Credit & Verification Solutions*
CIC Mortgage Credit, Inc. SettlementOne
CISCO Credit Strategic Information Resources
Clear Choice Credit Corp. Universal Credit Services
Consolidated Information Services, Inc. Veri-Tax*

*Report Supplier

Accudata Credit Systems FinLocker*
Accurate Financial First American Mortgage Solutions
ACRAnet, Inc. FormFree*
Advanced Data 4506-Transcripts.com
Advantage Credit, Inc. Gooi Mortgage, Inc.
Advantage Plus Credit Reporting, Inc. Merchants Credit Bureau, Inc.
Alliance 2020 MeridianLink, Inc.
American Reporting Company MFI Credit Solutions
Avantus Corp. Midwest Mortgage Credit Services
BankVOD Mortgage Document Solutions
Birchwood Credit Services Mortgage Service Providers
Blend* Network Credit
Certified Credit Reporting, Inc. New Vista Solutions
Chronos Solutions Online Information Services
CIC Mortgage Credit, Inc. Partners Credit & Verification Solutions
CIS Plaid*
CISCO Credit PointServ*
Credit Information Systems Precision Data Research
Credit Plus Sarma
Credit Technologies, Inc. SettlementOne
Data Facts, Inc. SharperLending LLC
DataVerify Strategic Information Resources
Equifax Sunrise Credit Services
Experian UnitedOne
Expert Global Solutions, Inc. Universal Credit Services
Finicity* Veri-Tax
  Wolters Kluwer

*Report Supplier

Accudata Credit Systems Factual Data
ACRAnet, Inc. First American Mortgage Solutions*
Advanced Data* 4506-Transcripts.com*
Advantage Credit Bureau Fraud Technology
Advantage Credit, Inc. Funding Suite
Advantage Plus Credit Reporting, Inc. Information Searching Company
American Reporting Company Informative Research*
Avantus Corp.* Lenders One
Birchwood Credit Services MeridianLink, Inc.*
CBCInnovis MFI Credit Solutions
Certified Credit Reporting, Inc. Microbilt
CIC Mortgage Credit, Inc. Mortgage Service Providers
CIS NCO Credit Services
Clear Choice Credit Corp. NCS (National Credit-reporting System, Inc.)*
CoreLogic* One Source
Covius* Partners Credit & Verification Solutions*
Credit Data Solutions DBA Service 1st Information Services PointServ*
Credit Data Systems, Inc. Precision Data Research
Credit Information Systems Pro Com Services
Credit Plus QuestSoft Corporation*
Credit Technologies, Inc. Sarma
Data Facts, Inc. SettlementOne
DataVerify* SharperLending LLC*
Ellie Mae Total Quality Loan Strategic Information Resources
EMSI Trans Union
Equifax* Universal Credit Services*
Experian UnitedOne

*Report Supplier

Other Approved Vendor Tool

LoanBeam FNMA SEI 1084 Workbook – performs automated calculations of self-employment income; the calculations, not the underlying data, may be eligible for representation and warranties enforcement relief. Phone 855-544-2326. Learn more.

For more information, contact your Fannie Mae
account team or visit FannieMae.com.