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Service and Solutions Overview

IDCHECKDirect.com’s efficient, affordable and cutting-edge solutions provide our customers with the information they need, when they need it. Working closely with agencies such as the Internal Revenue Service (IRS) and the Social Security Administration (SSA), we give businesses the ability to verify information such as income, social security numbers and addresses before misrepresentation and fraudulent activities have the chance to occur.

Income Tax
Verification

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Income Verification 4506-T

Our income verification solution is ideal for banks, mortgage lenders and other financial institutions. It cross-references the information you provide with what was actually filed with the IRS using tax form 4506. You can request tax return information for the past four years.

Stated Income Verification
using 4506-T

This solution is useful in verifying the validity of a borrower applying for a No Income or No Assets loan. It will also determine if the borrower filed a schedule C and E form.

Social Security
Verification

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Instant Social Security Verification

Our instant social security verification solutions are ideal for users who want to validate the identity of people applying for loans or even for a job. Simply log in and enter your search. You will need to print your results, as they will disappear when you close the page. This search will provide you with general public information about the person in question.

Direct Social Security Number Verification

This solution will guarantee whether the social security number you are questioning belongs to the person presenting it to you. The social security number will be run against the Social Security Administration’s Master File of Social Security Numbers, which means that your search results will be 100% accurate.

TIN
Verification

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The TIN Matching service verifies tax identification numbers against Internal Revenue Service (IRS) records. This nine digit number is issued by the IRS and is used to identify a person or a business entity. Our TIN matching service allows you to submit a TIN/name combination to be matched against IRS records online and provides instant results of the search findings.

Flood Zone
Determinations

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A guaranteed FZD that provides all the required FEMA flood map and community participation status information. The FZD is monitored for FEMA flood map revisions and community participation status changes for the term of the loan to maintain compliance with federal regulations and secondary market guidelines. Additionally, LPS National Flood' life of loan FZDs are transferable between servicers. A borrower’s notification letter is included with a FZD for properties located in a Special Flood Hazard Area (SFHA).

Automated Valuation
Models (AVM)

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LPS Data & Analytics delivers complete, fully detailed and exceptionally accurate valuations, safe from fraud or manipulation, for virtually any property – across town or across the country.

LPS AVM solutions leverage sound underlying technology and help capital markets professionals make the most informed decisions by offering a single, affordable source of reliable data.

Home Value
Explorer

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Home Value Explorer® (HVE®) is a Freddie Mac Automated Valuation Model (AVM) tool that generates an estimate of property value in seconds. HVE encompasses several models rolled into a single product, for one low cost. HVE uses Freddie Mac's unique proprietary algorithm that blendsmodel estimates returned by our repeat sales model and hedonic model, which is considered ourcombining process. HVE provides extensive coverage of all 50 states and more than 3100 counties with its database of approximately 81 million property records. HVE data simplifies the mortgage process by streamlining the collateral valuation cycle.