SSN verification guide

Vouched provides the ability to verify a candidate's SSN number with the Social Security Administration and proprietary sources. 

Notes:

• SSN verifications are only available via API request at this time, and are created as separate jobs in the Vouched Dashboard.
• Vouched does not store or display any SSN numbers for either type of check for security reasons. 
• Customers that use eCBSV SSN must use Woolly Labs as the company name (not Vouched) in legal and/or compliance forms, including Exhibit C below:
• Customers must specify the number of days for which the consent is valid for. The default recommendation is 90 days.
• Customers must include a specific purpose in the consent copy. Some examples include: "for the purpose of a loan application", or "for the purpose of opening a bank account". 
  

Vouched provides two distinct SSN verification services: 

• eCBSV SSN Verification
• SSN Verification (All)

eCBSV SSN verification

• The eCBSV feature validates a candidate's 9 digit SSN number directly with the Social Security Administration. 
• This feature is only available for qualifying financial institutions and requires registration with the SSA.
• With this feature, the candidate's consent is required and must be provided as the signatureType in the API request.
• Please note, customers that use eCBSV SSN must use Woolly Labs as the company name (not Vouched) in legal and/or compliance forms.

Testing eCBSV verifications

Please note that live eCBSV Verifications are only allowed to be performed on real users. Consent must be collected for each user each time a live verification is performed.

To run a test eCBSV verification, follow these steps:

• Set x-test-request to true in the request header.
• Use a test SSN from the test list here.

Submitting an eCBSV SSN verification

To submit an eCBSV SSN job, the following information must be submitted with the eCBSV Check API:

• ein- the Employer Identification Number of the entity that is registered with the SSA.
• cvsRequestList - an array that contains the following fields for each verification:
  • ssn - the candidate's full 9 digit SSN number.
  • dateOfBirth - (mmddyyyy format)
  • lastName
  • firstName
  • middleName (optional)
  • additionalParams - a required object that includes the signatureType
    • signatureType - can be W or E
      • W - Wet signature
      • E - Electronic signature

eCBSV name formatting guidelines

Please ensure the firstName and lastName fields are formatted as follows: 

• If either name is longer than 15 characters, only enter the first 15 characters.
• Both names must contain at least 1 character.
• Both names must have alphabetic characters only.
  • Numbers, hyphens, slashes or any other characters are not allowed and should be replaced with a space. Example: O’BRIEN should be entered as O BRIEN.
  • Spaces are allowed.

eCBSV SSN results

eCBSV SSN Results are available in the Vouched Dashboard and in the eCBSV API response.

In the Vouched Dashboard, open any eCBSV SSN job and click on the SSN tab.

• The Summary section includes:
  • Job ID
  • Verification Result - can be Verified or Not Verified
  • Death Indicator - can be Deceased or Not deceased
• The Request section contains the data included in the original request. 

The eCBSV API response includes the same data fields displayed in the Dashboard, with a few name changes:

• Verification Result in the Dashboard = verificationCode in the API response.
• Death Indicator in the Dashboard = deathIndicator in the verificationData object in the API response.

More information about the eCBSV API response can be found here.

SSN verification (all)

• This feature validates a candidate's last 4 digits or all 9 digits of their SSN against proprietary data sources.
• All customers can use Private SSN verification. 

Submitting an SSN verification

To submit an SSN job, the following information must be submitted with the SSN Check API:

• ssn - the last 4 or full 9 digits of the candidate's social security number.
• firstName - the first name associated to the candidate's phone number.
• lastName - the last name associated to the candidate's phone number.
• phone - the candidate's phone number.
  • Formatted in E.164 formatting for international numbers including the leading plus sign. For example: [phone]

Additional recommended fields

The following fields are optional to include in the API request, but are strongly recommended:

• email - candidate's email address.
• dob - candidate's date of birth. Date should be in ISO 8601 format.
• address object:
  • unit
  • streetAddress
  • city
  • state
  • postalCode
  • country

SSN check results

SSN Results are available in the Vouched Dashboard and in the SSN Check API response.

In the Vouched Dashboard, open any SSN job and click on the SSN tab:

• The Request section includes the original data that was sent with the request.
• The Response section includes:
  • SSN Match: true = match, false = no match.

The SSN API response includes the same data fields displayed in the Dashboard. The key field to look for is the ssnMatch field inside the result object. This field indicates if the SSN data matched or not. 

More information about the SSN API response can be found here.