A free benefit your employees will thank you for
Work Report is a secure service that connects directly to your payroll system. Once your organisation is connected, employees can instantly and safely share verified income and employment details with a lender – but only when they choose, and only with their permission.
It’s a small change that can dramatically improve your employees’ experience of applying for financial products – from mortgages to car finance. It's all about supporting your employees in the moments that matter.
Time back for your team so they can focus on supporting people, not chasing paperwork
Quick, easy and free, with no more than a couple of hours to set up
No need to email payslips or upload sensitive documents. All data is private, secure, and GDPR-compliant.
How does it work?
Work Report replaces slow, manual income checks with a fast, secure, consent-led digital process. It gives lenders, service providers and employers verified information directly from your payroll, reducing friction for employees and admin for your team. Every step is designed to protect employee privacy while speeding up the journey to life's big financial moments.
Step 1: Employees apply for a new job or a financial product.
Step 2: They're asked to send proof of their income and employment.
Step 3: They give their consent, which triggers the secure share of data.
Step 4: Only the information needed for the specific application is shared.
Step 5: Data is sent once, directly to the provider they're dealing with.
Step 6: The lender/employer moves the application forward instantly.
No paperwork. No email attachments. No delays.
Data protection built in
Work Report prioritises employee and employer safety, privacy and trust at every stage.
- Employees stay in full control - data is only shared with their consent.
- Data is shared privately, for a single use, and only with the specific business.
- Only the minimum required information is ever accessed.
- All data is encrypted, transferred securely and fully GDPR compliant.
Proven impact for your people
In our initial tests, Work Report revealed higher incomes for around a third of applicants, compared to traditional estimates - giving lenders a more accurate view and helping employees secure the credit they deserve. For one in ten people, Work Report filled income gaps that may have previously held their applications back.
The benefits to your employees
- Faster, more convenient access to products and services
- Greater security, and reduced fraud risk
- Enables ease of verification in renting, home-buying, changing jobs and more
- More accurate data leads to more appropriate credit deals and terms
- Greater financial wellbeing – through faster decisions
- Better customer experiences, and more convenient verification
The benefits to your business
- No cost to your business
- Easily, and quickly connect
- No new processes to learn
- Less work for your teams
- Improves staff wellbeing
- Improves your employer value proposition
Ready to see the benefits for you and your employees? Let's connect >
Why work with Experian?
Work Report is used by more than 1 million UK employers and integrates easily with payroll systems
Connecting your payroll is fast, free and simple.
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View our Privacy Policy for details on use and storage of your personal data.
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FAQs
Firstly, you must be opted into the Work Report™ service as an employer. This will typically be managed by your HR or payroll department. By opting into the service, you will be enabling your employees to access their payroll data via Work Report™.
Each time an employee initiates a credit application (e.g. credit card, mortgage etc.) they will need to consent to Work Report™ accessing their payroll data. Once they have consented, Work Report™ accesses their record from within your payroll/HR database. Work Report™ then passes the data to the Consumer Service Provider (e.g. a bank, that has been selected by your employee).
Some of your employees’ information such as their name and date of birth, along with a unique identifier, likely their National Insurance (NI) number, is submitted by the employee as part of an application (e.g. for a loan or mortgage) and is used, with their consent, to help Work Report™ locate their information in your payroll/HR database.
Work Report™ then accesses that specific employee’s income and/or employment data and shares it on a one-time basis with their chosen Consumer Service Provider (e.g. a bank). The data shared is specified by the Consumer Service Provider, selected by the employee. It is only ever the minimum amount required to process their application.
Yes. Data is typically shared using secure Application Programming Interfaces (APIs) that connect directly to your payroll/HR database. Experian is regulated by the Financial Conduct Authority (FCA) and is required to manage data under the governance of the UK General Data Protection Regulation (UK GDPR) and the Information Commissioner's Office (ICO) guidelines and best practice.
Employees only ever consent to share their data with a single Consumer Service provider (e.g. mortgage provider) of their choice, on a transaction-by-transaction basis.
Work Report™ is free to employees and employers. Consumer Service Providers such as banks pay Experian to use the service instead of requiring employees to submit payslips or get letters from HR.
Your employees’ PII and a Unique ID such as National Insurance (NI) number is captured in the verification process. This is used to authenticate your employee’s identity and to ensure that Work Report™ accurately matches the correct payroll data to that individual.
Work Report™ simply facilitates the transmission of the employees’ own data between their employer’s payroll or HR platform and the Consumer Service Provider of their choosing. Only the necessary income and/or employment fields that are required to inform the specific Consumer Service Provider use case are shared. This is in accordance with GDPR’s data minimisation principle.
Experian may hold the data for up to six years for audit purposes and for answering consumer enquiries only.
Work Report™ is consistent with the spirit and intention of GDPR, which supports consumer choice and control. An employer that has opted in to Work Report™, is not responsible or required to promote its use. By opting into Work Report™, you as an employer are simply enabling your employees to make the choice as to whether they would like to use Work Report™ as use of the service requires explicit employee consent every time it is used.
If an employee leaves your company, they are no longer active on your employer payroll and so will no longer be able to share their payroll data from their ‘old’ employer. Experian may hold your employee’s data for up to six years for audit purposes and for answering consumer enquiries only.
A SAR should be submitted to the data controllers, which in this case is the Consumer Service Provider (e.g. the bank they have chosen to share their information with or Experian).