Product Center

Overview

ID Verify offers a unique combination of industry leading sources with sophisticated analytics to verify a consumer’s Personally Identifiable Information (PII) and deliver a Fraud Score to assess an applicant’s risk for identify fraud. This solution may be utilized as a stand-alone product, or as an integrated part of the short term lending underwriting platform either directly or through one of our loan management system partners.

Key Features & Functionality

ID Verify confirms over 60 aspects of an individual’s PII data, including match indicators related to the individuals SSN, date of birth, name/aliases, address, home/cell/work phone, driver’s license and more. This service also delivers a complete address history on each subject, and performs verifications against multiple high risk attributes including: Watchlist (OFAC and other international anti-terrorist, money laundering, most wanted, politically exposed persons, etc.), Death Master File, high risk address files and other indicators of potential fraud.

To ensure the highest quality verification possible, ID Verify leverages a sophisticated, multi-source verification strategy against hundreds of millions of records, including:

Trade line records reported by lenders, retailers and consumer service providers
Traditional credit bureau header records
National Directory Assistance, Unlisted and Non-Published landline phone records
Wireless and VOIP phone records aggregated from wireless providers, cable companies, email partners, etc.
USPS CASS certification software and NCOA Link files
Proprietary high-risk address files of known fraud
Government filings and agency records (i.e. Social Security Administration)
Other proprietary data sources

Primary Use Case(s)

ID Verify allows businesses to quickly confirm the identity of individuals to reduce fraud losses and meet regulatory Know Your Customer (“KYC”) and Red Flag Rules related to:

Alternative and traditional lending
Retail finance and leasing
Tenant screening
Pre-employment screening

ID Verify Score Factor Codes

Code	Code Description
2	The input SSN is reported as deceased
3	The input SSN was issued prior to the input date-of-birth
4	The input name and SSN are verified, but not with the input address and phone
6	The input SSN is invalid or not yet issued
7	The input phone number may be disconnected
8	The input phone number is potentially invalid
9	The input phone number is a pager number
10	The input phone number is a mobile number
11	The input address may be invalid according to postal specifications
12	The input zip code belongs to a post office box
14	The input address is a transient commercial or institutional address
15	The input phone number matches a transient commercial or institutional address
16	The input phone number and input zip code combination is invalid
19	Unable to verify name, address, SSN/TIN and phone
25	Unable to verify address
26	Unable to verify SSN / TIN
27	Unable to verify phone number
28	Unable to verify date-of-birth
29	The input SSN/TIN may have been miskeyed
30	The input address may have been miskeyed
31	The input phone number may have been miskeyed
32	The input name matches the OFAC file
37	Unable to verify name
38	The input SSN is associated with multiple last names
39	The input SSN is recently issued
40	The input zip code is a corporate-only, military zip code
41	The input driver's license number is invalid for the input DL State
44	The input phone area code is changing
46	The input work phone is a pager number
48	Unable to verify first name
49	The input phone and address are geographically distant (>10 miles)
50	The input address matches a prison address
51	The input last name is not associated with the input SSN
52	The input first name is not associated with input SSN
53	The input home phone and work phone are geographically distant (>100 miles)
55	The input work phone is potentially invalid
56	The input work phone is potentially disconnected
57	The input work phone is a mobile number
64	The input address returns a different phone number
66	The input SSN is associated with a different last name, same first name
74	The input phone number is associated with a different name and address
75	The input name and address are associated with an unlisted/nonpublished phone number
76	The input name may have been miskeyed
77	The input name was missing
78	The input address was missing
79	The input SSN/TIN was missing or incomplete
80	The input phone was missing or incomplete
81	The input date-of-birth was missing or incomplete
82	The input name and address return a different phone number
85	The input SSN was issued to a non-US citizen
89	The input SSN was issued within the last three years
90	The input SSN was issued after age five (post-1990)
IT	The input SSN is an ITIN
MI	Multiple identities associated with input social
MS	Multiple SSNs reported with applicant
PA	Potential address discrepancy - the input address may be a previous address
PO	The primary input address is a P.O. Box
SR	Address mismatch on secondary address range
WL	The input name matches one or more of the non-OFAC global watchlist(s)

Name Address Phone Summary Messages

Code	Code Description
0	Nothing found for input criteria
1	Phone is not associated with the input name and address or phone is associated with a different name and/or address
2	First name and Last name matched
3	First name and Address matched
4	First name and Phone matched
5	Last name and Address matched
6	Address and Phone matched
7	Last name and Phone matched
8	First name, Last name and Address matched
9	First name, Last name and Phone matched
10	First name, Address and Phone matched
11	Last name, Address and Phone matched
12	First name, Last name, Address and Phone matched

Name Address Phone Type Messages

Code	Code Description
A	Phone Listing
P	Phone records
U	Utility records

Name Address Phone Status Messages

Code	Code Description
C	Connected
D	Disconnected

SSN InfoValid Messages

Code	Code Description
G	Good
Blank	Not able to validate

Additional ID Verify Summary Attributes Included in the Consumer Lending Report

IDV	Root element to hold the detail attributes of IDV data service.
score	MBCLV Fraud Score. Ranges from 350 to 850 (inclusive)
ssnValidCode	Y/N flag that indicates if the SSN is valid
addressValidCode	Y/N flag that indicates if the address is valid
phoneValidCode	Y/N flag that indicates if the home phone number is valid
ssnNameMatch	Y/N flag that indicates if the SSN and Name match
ssnAddressMatch	Y/N flag that indicates if the SSN and Address match
ssnDOBWarning	Y/N flag that indicates if SSN was issued before DOB
nameAddressMatch	Y/N flag that indicates if the Name and Address match
namePhoneMatch	Y/N flag that indicates if the name and home phone number match
phoneAddressMatch	Y/N flag that indicates if the phone and address match
nameWorkPhoneMatch	Y/N flag that indicates if the work phone and name match
workPhoneValidCode	Y/N flag that indicates if the work phone number is valid
DLNameMatch	Y/N flag that indicates if the name and drivers license match
DLDOBMatch	Y/N flag that indicates if drivers license and date of birth match
DLValidFormat	Y/N flag that indicates if the drivers license is in a valid format
DLVerificationCode	Y/N flag that indicates if the Drivers license is verified
deceasedIndicator	Y/N flag to indicate deceased identity is found with name and/or SSN match
fraudWarning	Y/N flag to indicate if fraud reported with address and/or identity theft present
OFACAlert	Y/N flag to indicate if there was an OFAC alert

Documents

Active Docs only:

Count: 1

Document Name	Document File Name	Document Type	View
ID Verify Product Sheet 2024	IDV Product Sheet_2024.pdf	Product Sh

IDVerify

Request Attribute	Option 1	Option 2	Option 3	Option 4
SSN	X	X	X	X
First Name	X	X	X	X
Last Name	X	X	X	X
DOB	X	X	X	X
Street Address	X	X	X	X
City	X	X	X	X
State	X	X	X	X
Zip Code	X	X	X	X
Primary Phone	X	X	X	X
Email		X		X
DL Number		X	X
DL State		X	X

Additional Information:

ID Verify (for Short Term Lending)

Request Attribute	Option 1	Option 2
SSN	X	X
First Name	X	X
Last Name	X	X
DOB	X	X
Street Address	X	X
City	X	X
State	X	X
Zip Code	X	X
Primary Phone	X	X
Cell Phone	X	X
Work Phone	X
Email	X
DL Number	X
DL State	X

Additional Information:

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