Xactus vs The Work Number

What the rubric says

Xactus and The Work Number are both scored in Verification & Data. Xactus carries an overall of 4.2, The Work Number an overall of 3.4. The widest gap between them is Return on spend, at 2.2 of a point. That axis measures what the spend returns, which is not the same as being cheap. Xactus takes it, 4 to 1.8.

Where the five axes separate

On Return on spend the record favours Xactus, 4 against 1.8. On Functionality and depth the record favours Xactus, 4.4 against 3.6. On Adoption and support the record favours Xactus, 3.8 against 3.5. On Production impact the record favours Xactus, 4.3 against 4.1. On Integrations and ecosystem the record favours Xactus, 4.4 against 4.3.

Pricing posture

Xactus does not publish pricing. Its listed model is quote only, typically bundled across products. The Work Number does not publish pricing. Its listed model is quote only, priced per verification.

Deployment and who each one targets

Deployment for Xactus: Cloud, the Xactus360 platform with LOS, POS, CRM and servicing integrations. Deployment for The Work Number: Cloud, reached by REST API, batch SFTP, web portal or direct LOS integration. Segment focus for Xactus: Lenders consolidating credit, verification, flood and property data under a single supplier. Segment focus for The Work Number: Any lender that needs instant employment and income data with GSE rep and warrant. The two entries name different buyers.

What each record credits

Xactus: Single-vendor breadth spans credit, verifications, flood, fraud QC and property valuation. Xactus: Lovell Minnick backing and still acquiring: XedaLink bought Mortgage Credit Link May 2026. Xactus: Xactus360 is one platform across the set, not separate portals per acquired brand. The Work Number: Authorized for Fannie Mae DU validation and Freddie Mac AIM, so hits bring relief. The Work Number: Equifax states 839 million-plus employee records from over five million contributing employers. The Work Number: Named Encompass and Empower connections, plus REST API, batch SFTP and portal access.

What each record holds against them

Xactus: Not one LOS or POS partner is named publicly, only integration counts. Xactus: Depth varies across acquired lines; several divisions’ product pages carry little specification. Xactus: Uptime figure and integration counts are company claims with no independent verification. The Work Number: Highest per-verification cost in the category; a class action alleges $17.85 rose to $66.45. The Work Number: The same complaint puts historical record pulls at up to $200 each. The Work Number: No pricing published; the site only splits card payment from monthly invoicing.

Which one fits which shop

Best fit for Xactus: Shops trying to collapse four or five data vendor relationships into one contract. Best fit for The Work Number: Lenders who need the highest instant hit rate and have decided to pay.

What each entry concludes

Xactus: Xactus is what a decade of credit reseller consolidation looks like when it finishes. Xactus: Avantus, CIS Credit Solutions, Universal Credit Services, Credit Plus, DataFacts and SharperLending all live inside it. The Work Number: The Work Number is Equifax’s employer-contributed payroll database, and for most lenders a default rather. The Work Number: Equifax states it holds more than 839 million employee records from over five million contributing employers.

The short answer

Xactus finishes ahead on the published rubric, 4.2 to 3.4. The margin comes mostly from Return on spend. Same rubric, same weights, no sponsorships.