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Troubleshooting: Borrower Not Receiving ADP Verification Code (MFA)

When verifying your income or employment through Truv, you might choose to log in using your Phone Number + One-Time Code. If the text message containing your security code does not arrive, it is usually due to strict security rules on ADP's side.

Why Is the Code Not Arriving?

  • Mismatched Profile Information: To prevent phishing, ADP uses a hidden security protocol. If you enter a phone number that doesn't exactly match your active ADP profile, the screen will still say a code was sent, but ADP will not actually send the text.
  • Too Many Attempts (Rate Limiting): If you request a code multiple times or retry logging in too quickly, ADP will temporarily block all text messages to your number to protect your account.
  • Carrier Network Delays: Standard mobile network congestion can occasionally delay or drop the automated text message from ADP's servers.

Recommended Steps to Fix

Step 1: Use Your Username and Password Instead

Bypassing the text message screen is the fastest way to connect.

  1. Return to the Truv verification login screen.
  2. Select the option to log in using your Username and Password instead of your phone number.
  3. Enter your regular ADP credentials to connect instantly.

Step 2: Reset Your Account Directly on ADP

If you do not remember your password or need to update your phone number:

  1. Open a new browser tab and go to the official ADP website (login.adp.com).
  2. Click "Forgot Your Username/Password?" to recover your credentials and verify the phone number on your profile is correct.
  3. Return to the Truv verification window and use your updated Username and Password to log in.