You’re applying for a mortgage or maybe trying to snag that sleek new apartment, and suddenly the lender asks for "verification." Usually, this means a frantic hunt for old pay stubs or a stressful call to an HR person who never picks up. But for a lot of people today, the process actually goes through a portal called Thomas and Company verify.
It’s one of those "behind the scenes" companies. You might not have heard of them until your employer told you they handle the paperwork. Basically, they sit in the middle, making sure banks and landlords get the right data without your HR department losing their minds over manual requests.
What Exactly is Thomas and Company Verify?
At its heart, it is an automated Employment and Wage Verification (EWV) platform. Founded way back in 1994, Thomas & Company isn't some new tech startup trying to "disrupt" things with AI. They’ve been around the block. They handle unemployment claims, tax credits, and this specific verification service for some pretty massive corporations.
When a company hires them, they essentially hand over the keys to the employment data vault. If you work for one of these companies, Thomas & Company becomes the official record-keeper for anyone asking, "Hey, does this person actually work there, and how much do they make?"
The Two Different Flavors of Verification
Most people think a verification is just a "yes" or "no" regarding their job. It’s actually more nuanced than that. On the Thomas and Company verify platform, there are two distinct paths:
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- Employment-Only Verification: This is the "safe" version. It only confirms the basics: company name, your name, start date, end date (if you left), and your job title. It doesn't mention a single cent of your salary.
- Employment and Wage Verification: This is the full monty. It includes everything in the first list plus your pay rate, whether you’re hourly or salary, average hours, and usually a three-year breakdown of your earnings.
Lenders almost always want the second one. Landlords? Sometimes they’re cool with just the first if you show them a bank statement.
How the Process Actually Works (For You)
Honestly, it’s kinda annoying if you don't know the steps, but once you’re in, it’s fast. You don't just give a bank your social and tell them to "go find it."
You have to be the gatekeeper.
First, you head over to the verify.thomas-and-company.com portal. You’ll need a few specific items: your Social Security Number, your name, and a Company Code. This code is unique to your employer. If you don't have it, check your onboarding documents or your most recent pay stub.
Once you’re logged in, you generate something called a Verifier PIN. This is the "key." You give this PIN to your lender or the person asking for the info. Without it, they can't see your wages. It’s a security layer that keeps random people from snooping on your paycheck.
Why can't the bank just do it themselves?
Security and privacy laws, basically. Under the Fair Credit Reporting Act (FCRA), there are strict rules about who can see your financial data. Thomas & Company is FCRA-compliant, meaning they can't just hand out your info like candy. By making you generate a PIN, the system ensures you gave permission for that specific person to look at your records.
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Dealing With Errors and Disputes
What happens if the data is wrong? This is where things get stressful. Maybe you got a raise that isn't showing up, or the system says you stopped working in 2023 when you’re still there.
You have the right to dispute it.
Inside the Thomas and Company verify portal, there is an "Employee Access" section specifically for disputes. You can flag incorrect dates or wages. Because they are an extension of your HR department, they usually have to coordinate with your employer's payroll team to fix the underlying data. It isn't instantaneous, but it’s a lot better than the old days of playing phone tag with a regional manager.
Is My Data Actually Safe?
People are naturally sketched out by third-party companies holding their Social Security numbers and salary history. I get it.
From a technical standpoint, Thomas & Company is about as locked down as it gets. They hold a SOC 2 Type II certification. In plain English, that means an outside auditor comes in every year and grills them on their security controls to make sure they aren't leaving the digital back door open.
They also have SOC 3 reports and are PCI DSS compliant. Plus, they explicitly state they do not sell your data. Unlike some "free" services that make money by selling your info to marketers, Thomas & Company gets paid by the employers to manage the administrative headache. You aren't the product; the service is.
The "Social Services" Side of Things
One thing that sets this platform apart from some competitors is how they handle government requests. If you’re applying for public assistance or housing, those agencies often have their own specific, non-automated forms.
Most verification companies charge for everything. Thomas & Company actually completes these social service and government agency forms for free. They have a dedicated portal for government workers to register and request information, which helps speed up the process for people who really need it.
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Common Roadblocks You’ll Probably Face
- The Missing Company Code: This is the #1 reason people get stuck. If your HR department didn't give you a "New Hire" packet with this code, you’ll have to ask for it. It’s usually a mix of letters and numbers like "PGI584" or similar.
- Authentication ID Issues: Sometimes the system asks for an Authentication ID. Usually, this is just your Employee ID. If your ID is "12345," you might need to add leading zeros (like "00012345") to make it 8 digits.
- Expired Links: When you first sign up for the portal, they send you a verification email. That link usually expires in 24 hours. If you wait until the weekend to finish the setup, you’ll probably have to start over.
Actionable Steps for a Smooth Verification
If you’re currently in the middle of a loan application or a job hunt, here is how you handle the Thomas and Company verify process without losing your temper:
- Find your code first. Don't wait until the lender is breathing down your neck. Get your Company Code and Employee ID from your pay stub now.
- Log in to the Employee Access Portal. Go to the site and make sure your info is actually there. It’s better to find an error now than when you’re 48 hours away from closing on a house.
- Generate the PIN only when needed. These PINs aren't meant to be permanent. Create it, send it to your verifier immediately, and keep a copy for yourself.
- Block your data if you’re paranoid. One cool feature of the portal is that you can "block" your information so that even with a PIN, no one can see it until you "unblock" it. It’s an extra layer of "do not disturb."
- Check the history. Use the portal to see who has been looking at your records. If you see a request from a bank you never talked to, that’s a red flag for identity theft, and you should act on it immediately.
The reality is that Thomas and Company verify exists to make life easier for HR departments, not necessarily for you. But, if you know how to navigate the portal and keep your codes handy, it’s a 5-minute task rather than a week-long ordeal.