Checkr Trust gives carriers a smarter data waterfall—from pre-screen through full verification—so you can screen more applicants, catch more risk, and reduce per-policy data spend across auto, property, and life lines.
Why it matters
Per-transaction data pricing is the constraint holding your funnel back.
Most data providers charge per quote, so your team pays the same to screen an applicant who never converts as one who binds a policy. That model forces underwriting and risk leaders to ration data pulls to control spend. Meanwhile, claims and fraud teams are left with blind spots from fragmented tools that don’t share a unified view of the applicant.
Checkr Trust consolidates criminal, identity, and driver risk data into a single API, providing broader coverage, fewer gaps, lower cost per policy.
Features
Why leading insurers choose Checkr Trust.
Checkr Trust delivers over 10 million screenings monthly, utilizing comprehensive criminal, driving, and identity data alongside our bespoke fraud signals. This high-signal intelligence helps insurers manage risk effectively and streamline operations.
mainstream populations
than other data providers
Check types
The underwriting data stack.
Checkr Trust integrates multiple layers of risk data, including criminal records, watchlists, identity verification, driving records, and bespoke fraud signals, always ensuring compliance with regulatory standards.
Driver's License Status Check
Confirm license validity in real time before committing to costlier MVR pulls. The lowest-cost first step in the underwriting waterfall.
National Criminal Database
Surface prior convictions tied to fraud, theft, and financial crimes from 650M+ public records across courts, corrections, and more. ~20% broader coverage than other providers.
Motor Vehicle Records
Access driving violations, accidents, suspensions, and revocations. Reduce MVR spend by only pulling full MVRs when earlier signals warrant it.
Identity Checks
Match submitted identity info to 9B+ verified records to confirm legitimacy, catch synthetic or fake identities, and prevent fraud.
Global Watchlists
Screen individuals against FBI, OFAC, Interpol, and other domestic and international watchlists.
Biometric and Document Verification
Add selfie-to-ID verification with a 99% detection rate and near-zero false positives.
API
Real-time risk intelligence, built into your workflows.
Checkr Trust integrates with your platform via API to deliver real-time insights on criminal history, driving records, identity, and watchlist data. Sub-second response times designed for real-time quoting workflows, so you can screen without slowing conversion. Build custom flows that match your risk thresholds and layer data by cost.
Dashboard
Assess applicant risk in minutes with no integration required.
Run identity, driving record, and criminal checks in one simple interface to support faster underwriting decisions.
Explore the latest insights on customer risk intelligence.
Ready to optimize your underwriting and claims?
Get a live walkthrough to see how Checkr Trust can help you reduce fraud and loss, meet compliance standards, and protect critical revenue streams.