Snappt vs. Truework
Both are CRAs. Both charge enterprise prices. Neither works well for self-employed applicants.
Snappt uses AI to catch forged documents. Truework contacts employers to confirm salary. Both are Consumer Reporting Agencies with FCRA compliance obligations for landlords. Both charge enterprise prices. And both struggle with the growing segment of self-employed, gig, and freelance applicants.
Overview
Snappt
Type: AI document fraud detection
Focus: Detecting forged pay stubs, tax returns, and bank statements using AI analysis
Sweet Spot: Enterprise PM companies concerned about applicant document fraud
Truework
Type: FCRA-compliant employment verification
Focus: Contacting employers directly to confirm salary, job title, and employment dates
Sweet Spot: Large PM companies and mortgage lenders needing formal verification
Feature Comparison
| Feature | Snappt | Truework |
|---|---|---|
| Verification Method | AI document fraud scanning | Direct employer HR contact |
| FCRA Status | CRA (Consumer Reporting Agency) | CRA (Consumer Reporting Agency) |
| Time to Results | 2-24 hours (document review) | Hours to days (employer response) |
| Self-Employed Coverage | Limited (needs documents) | None (no employer to contact) |
| Fraud Accuracy | 99.8% claimed detection rate | High (direct employer data) |
| Pricing | Custom enterprise ($500+/mo) | Custom enterprise ($1,000-3,000+/mo) |
Consider a Third Option
Both Snappt and Truework are CRAs that create FCRA compliance obligations for landlords. Both require enterprise contracts. Income Checker takes a different path: bank transaction analysis that's not FCRA-regulated, works for self-employed applicants, and costs $14.99 per check.
Not a CRA
Income Checker provides transaction-based income analysis—not a consumer report. Zero adverse action notices, zero dispute procedures, zero FCRA burden.
Tamper-Proof Bank Data
Bank deposit data can't be forged like documents. No need for AI fraud detection. No waiting for employer callbacks.
$14.99 vs. Enterprise Contracts
Per-verification pricing for small landlords. No $500+/month minimums, no sales process, no multi-week onboarding.
Three-Way Comparison
| Feature | Snappt | Truework | Income Checker |
|---|---|---|---|
| Method | Document AI scanning | Employer HR contact | Bank transaction analysis |
| FCRA Status | CRA | CRA | Not a CRA |
| Time to Results | 2-24 hours | Hours to days | Under 60 seconds |
| Self-Employed | Limited | None | Full coverage |
| Small Landlord Access | No (enterprise) | No (enterprise) | Yes (self-serve) |
| Starting Price | $500+/mo | $1,000+/mo | $14.99/verification |
Skip the CRA Compliance. Verify from Bank Data.
Not a CRA. No FCRA burden. Results in under 60 seconds. $14.99 per check.