Understanding the “No Data” Status
When you see a "No Data" status on your order, it generally indicates one of the following:
1. Successful Login, But No Data Found
Truv was able to successfully log into the provider’s system, but did not find any employment or income data to retrieve.
2. Partial Data Retrieved, But Insufficient for Verification
Truv logged in and retrieved some data, but it did not meet the minimum data requirements for a successful verification as defined by Fannie Mae and Freddie Mac. For example, required fields may be missing, or the data may not be recent or complete enough.
Important Note on Billing
Truv does not charge for verifications that result in a no_data status.
Clients are only billed when sufficient, usable data is retrieved for verification.
Why This Happens: Provider Data Retention Limitations
Some payroll providers or employers store limited historical data, which can lead to a no_data status even after a successful login.
For example:
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ADP typically stores only the last 3 years of employment and income history.
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If a borrower was employed before that period, Truv may log in successfully but return no usable data.
Truv's Criteria for Successful Verification
Truv adheres to industry standards, particularly those set by Fannie Mae and Freddie Mac, to define a successful verification.
If the retrieved data does not include the required fields—such as job title, pay frequency, income, or recent pay periods—Truv categorizes the response as no_data.
Recommended Action: Enable Document Upload
To improve verification success rates:
Enable the document upload functionality within the Truv widget. This allows borrowers to upload Paystubs and W2's