COMPLETE INCOME™

Simple, Secure Income Verification Beyond W-2s

Social services agencies can accelerate crucial benefit eligibility decisions with a fuller applicant financial picture leveraging Equifax's industry-leading security and data protection practices. 

The Rise of the Gig Economy and Self-Employment Can Make Income Verification Challenging 

7 out of 10 managers within government agencies lack access to records of income earned outside of traditional employment.¹
46% of benefit decision makers noted direct access to applicant income data as their primary need.¹

Half of applicants have 2+ income sources to verify, which can increase time spent on each application.¹


of applicants say they worry they might make errors on the application.¹

¹ Equifax Study, May 2025.

Verify Income for the Modern Workforce

The number of independent workers has nearly doubled since 2020² as more workers take on work outside of traditional payroll jobs. Caseworkers can quickly and efficiently verify income beyond W2s to make informed eligibility decisions with Complete Income. 
Have A More Complete Financial View of Applicants
Make Informed Decisions with Consumer Reports
The modern workforce is more complex than ever, with millions of independent and gig workers. This shift has created significant challenges for social service agencies in verifying income for program eligibility.
  -Christine Rance, Senior Director, Product Management

Protect Applicant Data with Industry-Leading Security

Secure Connections with Financial Institutions
To share their deposit income data, applicants use a platform with a strong focus on security, including end-to-end encryption, multi-factor authentication, and continuous monitoring.
Did You Know?
87% of applicants are comfortable connecting their bank accounts to finance apps and platforms¹
Security Is In Our DNA
In 2024, the maturity of our cybersecurity program outperformed all major industry benchmarks for a fifth consecutive year. Our security posture score continues to exceed technology and financial services industry averages. 
Read Our 2024 Security Annual Report
These are the rating categories assigned by the reporting service that monitors our posture. Equifax maintains a rating that places us in the highest category

“We’re enhancing our income verification capabilities by offering not only The Work Number’s typical trusted employment and income data but also alternative income data types like 1099 and gig economy data.”

Rezarta Haxhillari
VP, Product Management, Government Solutions
HOW IT WORKS

Automate Income Verifications For Expanded Income Types

Make it easier for applicants to report all income sources through an automated process.
Start With The Work Number
Caseworkers start by ordering a Social Service Verification from The Work Number to verify W2 payroll data.   
 
  
what you get
Social Service Verification Report
Shows all employer records within The Work Number database within the requested lookback period. See gross and net income, hours worked, and deductions. 
Request Additional Income if Needed
If additional income is needed, caseworkers can invite applicants to connect directly to their financial institutions through a secure applicant platform. They can also self-report income and business expenses.
what you get
Income and Expense Connect Solution
Incorporates consumer-credentialed bank deposit data and self-reported income and business expenses. Income is categorized by wages and salary, self-employment, unearned, and other income. 

The graphics used above are for demonstrative purposes only.

Part of the TotalVerify Data Hub

The TotalVerify data hub from Equifax is a single-source for obtaining the data insights that social services agencies leverage to verify applicant information, including employment, income, incarceration status, consumer address and phone number history. 

The breadth and depth of our data means agencies can work more effectively and efficiently to help ensure that people receive the right benefits and the state is cost-effectively administering programs.

Reach Out To Learn More

Talk to our team to see how your agency can have a more complete financial picture, reduce administrative costs, and improve efficiency with Complete Income.