If you’re trying to buy a house, lease a new SUV, or finally move into that apartment with the floor-to-ceiling windows, you’ve probably run into a sudden roadblock: someone needs to "verify" you. Usually, this means a mortgage lender or a property manager wants proof that you actually work where you say you do and earn what you claim on your application. Enter Thomas and Company verification.
Honestly, most people have no idea who this company is until they get an email from their HR department or a prompt from a lender. It’s one of those "behind the scenes" infrastructure companies that keeps the gears of the American economy turning. They’ve been around since 1994, based out of Nashville, and they handle the sensitive data for massive employers like Publix and VF Corporation.
Basically, instead of your boss having to manually answer every phone call from a bank, Thomas & Company automates the whole thing. It’s efficient, but if you don't know the steps, it can feel like a total headache.
How Thomas and Company Verification Actually Works
There are two main flavors of verification here. You’ve got your standard "Employment Only" check and the more detailed "Employment and Wage" check.
The first one is simple. It just tells the person asking that, yes, you work there, and here’s when you started. The second one is the big deal. It includes your pay rate, your average hours, and usually a three-year history of your earnings. Because that data is so sensitive, you—the employee—have to be the one to open the door.
To get started, you usually have to head over to their portal (often found at tncverify.com). You'll need a few specific pieces of info:
- Your Social Security Number.
- A Company Code (this is unique to your employer).
- An Authentication ID (this is usually your Employee ID number).
Once you’re in, you generate a Verifier PIN. This is the "key." You give this PIN to your lender or landlord, and they use it to pull the report. It’s designed this way so your boss isn't just handing out your salary info to anyone who calls. You stay in control.
Why Do Employers Use This Service Anyway?
Think about a company like Publix with over 200,000 employees. If even 1% of them apply for a loan in a month, that’s 2,000 phone calls to the HR department. It’s impossible to manage manually.
Thomas & Company steps in as a middleman. They aren’t just a software company; they act as an extension of the HR and payroll teams. They also handle things like unemployment cost management and tax credits. By centralizing all this payroll data, they make it so the data is consistent and, more importantly, secure.
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One thing they do differently than some of their massive competitors—like The Work Number by Equifax—is their stance on data. They’re pretty vocal about the fact that they don’t sell or share employee data with third parties for marketing. In an era where every bit of our personal info is being auctioned off, that’s a big win for privacy. They are SOC2 Type II certified, which is basically the gold standard for proving they aren't playing fast and loose with your Social Security number.
Common Hangups and How to Fix Them
Sometimes things go sideways. Maybe your lender says the verification is "pending," or you can’t log into the portal.
If you’re a former employee, things get a bit trickier. Your "Authentication ID" might not be your old employee number anymore. For some older accounts, it might be a combination of your birth date and the last four digits of your SSN. If you get stuck, don't just keep smashing the "submit" button. You can actually call them. Their support line is 800-791-8943.
Another weird quirk? The Company Code. You can’t just guess it. If your HR department didn't give it to you in your onboarding or offboarding paperwork, you’ll have to ask them for it. Thomas & Company won't usually give out company codes over the phone to prevent social engineering attacks.
Practical Steps to Get Your Verification Done Today
If you need a verification right now for a loan or a new job, follow this specific order to avoid the "back-and-forth" trap:
- Find your company code first. Look at your most recent pay stub or your internal employee handbook.
- Log into the Employee Access Portal. Use your SSN and that company code.
- Check your data. Before you generate a PIN, look at what’s there. If your start date or salary looks wrong, you can actually dispute it right in the portal. It’s better to fix it now than to have a mortgage underwriter flag it later.
- Generate the PIN. If you need to prove your income, make sure you select the "Employment and Wage" option, not just "Employment Only."
- Hand over the keys. Give the verifier the website URL (verify.thomas-and-company.com), your SSN, the company code, and the PIN you just made.
Most of these verifications are instant once the verifier has the PIN. If it’s a social services request—like for SNAP or housing assistance—those can take about three business days because they often require manual form-filling by the Thomas & Company team. Plan accordingly.
Don't wait until the day of your closing to try and figure this out. Log in, make sure your account is active, and have that company code ready to go.
Actionable Summary for Employees
- Locate your credentials: You need your Company Code and Employee ID.
- Manage your privacy: Use the portal to block or unblock your data if you’re worried about unauthorized access.
- Verify the details: Ensure your 3-year pay history is accurate before sending it to a lender.
- Support: Use the email
verifications@thomas-and-company.comif the portal refuses your login credentials.