Verify4 increases credit access and inclusion by giving people greater control over and access to their own information. This makes lending fairer and more efficient. It is truly a win-win. This will reduce the “uncertainty fees” paid by millions of borrowers in the form of higher prices for credit when lenders are faced with important information gaps and shortcomings. It will also aid lenders by improving credit origination and improving efficiencies. Similarly, Verify4 also improves the rental application process and allows job seekers a way to verify their employment more easily and without having their current employer contacted if they are job searching while currently employed.