Credit reports, anchored in real income.
A credit score without verified income is half the picture. Ethur pairs permissible-purpose credit reports with payroll-direct earnings and bank-direct deposits — for finance, fiduciary, and trust roles where it matters most.
80+ payroll providers. 12,000+ financial institutions.
Direct, consent-based integrations with the systems your candidates already use — no documents, no scraping.
A credit score in isolation tells you almost nothing.
Without verified income, employment, and identity, a credit pull is just a number. Ethur ties every credit report to triple-verified financial reality — so adverse decisions are defensible and informed.
- Credit pulled with no identity anchor
- No income to compute true DTI
- Manual permissible-purpose audit trails
- Adverse-action letters built by hand
- No connection to employment context
- Identity-anchored credit reports
- Real DTI from payroll + bank income
- Automatic permissible-purpose receipts
- FCRA adverse-action workflows built in
- Tied directly to employment + biometric ID
Credit, in context. Built for compliance.
3-bureau coverage
Equifax, Experian, and TransUnion data with consistent normalized output.
Explore Ethur's approach →Permissible-purpose engine
Role-based permissible-purpose codes applied automatically with full audit trail.
Explore Ethur's approach →True DTI calculation
Real debt obligations divided by payroll-direct and bank-verified income.
Explore Ethur's approach →Adverse-action automation
FCRA-compliant pre-adverse and adverse-action letters generated and tracked.
Explore Ethur's approach →Score interpretation
Configurable risk tiers and reason-coded summaries for adjudicators.
Explore Ethur's approach →Continuous monitoring
Optional post-hire alerts on score deterioration for fiduciary roles.
Explore Ethur's approach →Permissible. Verified. Defensible.
Every credit report runs against a verified identity and a recorded permissible-purpose — so compliance isn't a checkbox, it's the workflow.
Permissible-purpose recorded
Role and basis are captured up-front; the audit trail starts before the pull.
Identity locked
Biometric + payroll match ensures the report belongs to the right consumer.
Credit pulled & contextualized
Bureau data merged with payroll-direct income for a true DTI and stability picture.
Decision + adverse action
Adjudication routes pass/fail with FCRA pre-adverse and adverse-action letters generated automatically.
Common questions.
Is this permissible for all roles?
No — and that's the point. Ethur enforces permissible-purpose rules per role and per state, and refuses pulls that don't qualify.
Are state-level prohibitions handled?
Yes. State-by-state credit-screening laws are enforced automatically, including notification requirements.
Do you do soft pulls?
Yes. Soft and hard inquiry options are supported, with the appropriate disclosure language.
Verify everything at the source.
Primary-source verification, triple-confirmed identity, results in minutes.