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FactorTrust provides alternative credit data, analytics and risk scoring information that lenders need to make informed decisions about the consumers they want. The company, now a part of TransUnion, is relentlessly dedicated to “more” through proven analytics and clean credit information to lenders.

SparkLMS integrates with the best breed of third-party solutions in the Lending Eco-system to run a lending portfolio easily and profitably. FactorTrust + SparkLMS integration will allow lenders to score their leads in real-time to mitigate risk and to make informed decisions prior to lending a customer.

FactorTrust has multiple solutions that can be used independently or as a package based on the needs of a lending portfolio.

What it does

With this integration, lenders will be able to

  • Validate a consumer’s identity
  • Analyze employment and income data of a consumer
  • Evaluates consistency of consumer provided information
  • Perform IP intelligence and address cross match with home and work addresses.
  • View consumer debit information
  • Perform Bank Account Verification
  • Get a detailed view of consumer bank transactions
  • A single platform for all the scoring / decisioning needs


  • Lower the first payment defaults
  • Improve the underwriting cost per loan
  • Reduce fraud
  • Mitigate risk prior to lending to a new customer
  • Add new intelligence for regulatory compliance
  • Ensures consumer compliance with OFAC & Patriot Act


After on-boarding your lending portfolio on SparkLMS, you must set-up an account with FactorTrust. We will guide you through the entire process of setting-up FactorTrust in your instance of SparkLMS.

Curious about SparkLMS? Schedule a free demo now and learn more!

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