Identity Verification
Identity Verification integrates third-party KYC or credit bureau checks to confirm the co-signer’s identity against the supplied SSN and other personal data for higher assurance.
Collecting a co-signer SSN digitally supports identity verification, credit checks, and regulatory compliance while improving form completion speed and reducing manual entry errors across lending and lease workflows.
Loan officers configure templates that include co-signer SSN fields for credit reviews, ensuring fields are placed correctly, masked in the user interface, and routed for authorization while maintaining an auditable signature path.
Compliance managers define retention, encryption, and access policies for SSN data, verify that collection practices meet federal and state requirements, and document the legal basis for maintaining sensitive information.
Organizations should limit SSN collection to necessary use cases and couple it with privacy controls, retention policies, and clear consent language.
Identity Verification integrates third-party KYC or credit bureau checks to confirm the co-signer’s identity against the supplied SSN and other personal data for higher assurance.
Template Library stores pre-approved documents with SSN fields configured and locked to prevent accidental modification and to standardize collection practices across teams.
Conditional Fields show SSN inputs only when required by the signer’s role or selections, reducing unnecessary data collection and exposure risk.
Redaction Tools remove or mask SSN values in shared exports, enabling safe distribution of signed documents while protecting sensitive information.
Integration Connectors synchronize collected SSN values securely with backend systems while enforcing field-level encryption and transfer logging for compliance.
Automated Retention enforces deletion schedules for SSNs and expired agreements, ensuring records are retained only as long as legally necessary.
Masked Input enforces display-only of the last digits in the UI while securing the full value in encrypted storage to reduce accidental exposure and align with privacy best practices across regulated workflows.
Field Validation checks format and input length at entry, preventing common errors and ensuring that collected values meet SSN structure requirements before submission and downstream processing.
Access Controls let administrators restrict which users and roles can view, export, or redact SSN values, enforcing least-privilege access and supporting separation of duties for compliance.
Audit Trail records each event — who viewed, who edited, and when — including IP and timestamp details to provide an immutable record for compliance reviews and dispute resolution.
| Feature | Configuration |
|---|---|
| Field Masking | Last four visible |
| Encryption Standard | AES-256 |
| Authentication Requirement | Two-factor |
| Retention Period | 7 years |
| Export Controls | Restricted roles |
Ensure users run current browser versions and update native apps for the latest security patches; consult API docs for integration constraints and best practices before deployment.
An auto lender adds a masked SSN field to co-signer sections to verify credit eligibility using a third-party bureau
Resulting in faster loan decisions and reduced processing errors.
A property manager requires a co-signer SSN to complete background and credit screenings before lease finalization
Leading to safer tenant selection and clearer audit trails.
| Criteria | signNow (Recommended) | DocuSign | Adobe Sign |
|---|---|---|---|
| SSN field support | |||
| Field masking by default | |||
| Built-in identity checks | Available | Available | Available |
| Conditional field logic | Limited |
| Plan | signNow (Featured) | DocuSign | Adobe Sign | Dropbox Sign | PandaDoc |
|---|---|---|---|---|---|
| Free tier availability | Free plan available | Free trial only | Free trial only | Free trial only | Free trial only |
| Two-factor authentication | Available in all plans | Available | Available | Available | Available |
| Advanced templates | Included | Paid upgrade | Included | Paid upgrade | Included |
| Enterprise support options | Yes, dedicated support | Yes, enterprise plans | Yes, enterprise plans | Enterprise add-on | Yes, enterprise plans |
| API access | Available across tiers | Paid tiers | Paid tiers | Available | Available |
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