Blogs & Press Releases

  • Attacking synthetics – a real approach to uncovering potentially fake identities

    Attacking synthetics – a real approach to uncovering potentially fake identities

    Over the last several years, the ID Analytics team has discussed the issue of synthetic identity fraud extensively with its clients to gain a better understanding of how they view the problem, how...

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  • 3 Reasons to use Alternative Credit Data in Prescreen Campaigns

    In today’s competitive marketplace, it is important to deliver innovative financial solutions that create opportunities for growth in lending and consumer spending. Many of the largest U.S....

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  • Building a case for alternative credit data: Scoring persistently credit invisible consumers

    Building a case for alternative credit data: Scoring persistently credit invisible consumers

    The Consumer Financial Protection Bureau (CFPB) has identified that approximately 45 million consumers are either credit invisible or unscorable by major credit bureaus. People who don’t have...

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  • Can alternative credit data help evaluate prime consumers?

    Can alternative credit data help evaluate prime consumers?

    Our recent blogs demonstrate the benefits of leveraging alternative credit data to identify more creditworthy consumers who are considered credit invisible and provide greater insights to marginal...

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  • Update from the Hill: Progress on electronic identity verification by the SSA

    Update from the Hill: Progress on electronic identity verification by the SSA

    I have two important updates from the Hill regarding progress on the Economic Growth, Regulatory Relief, and Consumer Protection Act. In my previous posts, I discussed a provision in the Act that...

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  • The value of alternative credit data in separating risk on the margin

    The value of alternative credit data in separating risk on the margin

    In my last blog, I discussed how the use of alternative credit data has become a mainstream answer to the challenge of identifying creditworthy consumers who are credit invisible. While that is...

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  • Alternative credit data case study: Top-ten card issuer uncovers credit invisibles

    Alternative credit data case study: Top-ten card issuer uncovers credit invisibles

    Almost one-fifth of adults in the United States face obstacles to obtaining credit because they are considered “credit invisible”—meaning they either don’t have a credit history with, or are...

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  • Synthetic identities: How well are you reading the signals?

    For some lenders and service providers detecting synthetic identities might seem like an exercise in futility or perhaps even a lesson in fortune telling—how can they determine whether an...

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  • An analysis of synthetic identities from a fraud and credit risk perspective

    One of the most sophisticated synthetic identity fraud rings in U.S. history created 7,000 new identities, received 25,000 credit cards and amassed a $200 million bounty from banks between 2003...

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  • Fraud, credit and identity risk: What to watch for in 2019

    Fraud, credit and identity risk: What to watch for in 2019

    What does 2019 have in store for those of us who work in the fields of fraud, credit and identity risk? These are some of the key issues ID Analytics will be following and actively working to...

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  • Update from the Hill: Unintended consequences of the CA Consumer Privacy Act

    Update from the Hill: Unintended consequences of the CA Consumer Privacy Act

    The California Consumer Privacy Act (CCPA) of 2018 is another regulation our compliance team has been keeping tabs on. The Act was signed into law by then California Governor Jerry Brown on June...

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  • Update from the Hill: Progress in the fight against identity fraud

    Since my last update, I’ve been following progress on the Economic Growth, Regulatory Relief, and Consumer Protection Act. As a refresher, this Act contains a provision that directs the Social...

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  • A word from our CEO: 2018 year in review and a preview of 2019

    ID Analytics had a lot to be thankful for in 2018. First, I want to thank our clients for their unwavering support and for the valuable advice throughout the year which helped us shape our...

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  • Cyber Monday 2018: Late night credit applications and mobile purchasing are trending

    Cyber Monday 2018: Late night credit applications and mobile purchasing are trending

    In our last post, we shared new trends developing in 2018 that transformed the traditional Black Friday kick-off to holiday shopping. Specifically, online purchasing was a popular choice for many...

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  • Black Friday 2018: No more early birds & retail credit applications on the rise

    Black Friday 2018: No more early birds & retail credit applications on the rise

    Black Friday 2018 saw slower foot traffic in retail stores than in years past, but that didn’t mean merchandise wasn’t flying off the shelves—online sales hit a record high with shoppers spending...

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  • Black Friday trends report: Increased credit application volumes put risk managers on high alert

    It’s that time of year again. Retail stores are advertising their Black Friday specials with many starting their sales even earlier, prompting some to refer to this popular shopping frenzy to grab...

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  • Top 3 questions from our web seminar: Tackling synthetic identity fraud head-on

    ID Analytics recently participated in a web seminar hosted by American Banker, Tackling synthetic identity fraud head-on where we discussed best practices for optimizing detection and prevention...

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  • Combatting synthetic identities: Finding the ghosts haunting your enterprise

    There’s a ghost in the room—synthetic identity fraud—and unlike the elephant, everybody’s talking about it and not sure what to do about it. Our recent blog series provided an overview of the...

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  • Synthetic Identities: Part Three, A Fraud vs. Credit Risk Perspective

    Our previous posts examined the different types of synthetic identity fraud, including manipulated and manufactured, which vary in construction, intent and degree of financial harm. Part three of...

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  • Credit risk or hot prospect? Millennials and back-to-school credit

    Credit risk or hot prospect? Millennials and back-to-school credit

    In 2015, ID Analytics released a report Millennials: High Risk or Untapped Opportunity which debunked the myth that millennials are less interested in traditional credit and financial services...

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