Credit and capacity

A person's credit can say a great deal about him or her. It shows willingness to repay loans and demonstrates fiscal responsibility. But in today's market, willingness to pay is not always enough. Evidence of capacity to pay through employment, income, and asset verification is often required to more fully evaluate the risk associated with a credit decision.

With Factual Data's independent verification services for credit and capacity, you can gain the critical insight into an applicant's credit history, credit score, and ability to repay any loans. Our services provide an unbiased verification of an applicant's income, employment, assets, and liabilities, as well as a complete look at the credit score from one, two, or all three credit bureaus.