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NEWS RELEASE

ID Analytics Fine-Tunes Credit Decisioning and Reduces Losses with ID Analytics® Credit Optics™

Supplemental Credit Score Helps Organizations Improve Credit Quality with Real-Time Visibility into the Stability of Borrowers

SAN DIEGO, CA, November 6, 2008 –ID Analytics, Inc., the leader in on-demand identity intelligence, announced today the company has expanded its credit offering portfolio with ID Analytics Credit Optics, a supplemental credit score that delivers a new dimension to the assessment of the credit worthiness of individuals. ID Analytics Credit Optics improves credit decisions by gleaning insight from information that is not typically included when calculating a traditional credit score. Organizations can immediately reduce losses by combining traditional credit scores with ID Analytics Credit Optics to fine-tune credit decision processes.

Traditional credit scores determine credit risk by predicting the willingness and ability to repay debt. In today’s dynamic consumer lending environment, creditors are looking for innovative ways to analyze the creditworthiness of both existing and potential customers. ID Analytics Credit Optics introduces a unique, third dimension to this analysis--real-time visibility into the stability of an individual. Stability is assessed by examining changes to identity risk and credit risk over time. When used in combination with traditional credit scores at the point of origination, this incremental perspective of risk has proven to eliminate up to 25% of credit losses without reducing the number of accounts booked.

For existing loan portfolios, ID Analytics Credit Optics can be used to dynamically monitor risk levels resulting in better informed decisions around extending targeted offers and lower financial losses.

"With the introduction of ID Analytics Credit Optics, we are entering the credit analytics industry with a supplemental score that delivers an important differentiator to our customers - the ability to make well informed decisions in a fast-changing credit environment," said Bruce Hansen, chief executive officer for ID Analytics, Inc. "Our new score helps organizations avoid losses by better analyzing the credit worthiness of new prospects and monitoring existing customers."

Benefits of ID Analytics Credit Optics:

ID Analytics Credit Optics operates within a highly secure environment and has achieved both SAS-70 and Payment Card Industry (PCI) compliance.

For more information about ID Analytics Credit Optics, please visit www.idanalytics.com/solutions/credit_optics.html.

About ID Analytics, Inc.

ID Analytics, the leader in on-demand identity intelligence, provides unprecedented real-time visibility into the risk of individuals, protecting both organizations and consumers. ID Analytics pioneered identity scoring technology. ID Analytics combines three unique capabilities to assess risk and improve the customer experience across all consumer touch points: the ID Network®-the nation's only real-time, cross-industry compilation of identity information; Personal Topology™ - an individual's particular identity characteristics and their connectedness to each other; and ID Analytics' proprietary Advanced AnalyticsSM. Leading communications and financial services companies, as well as major retailers, government agencies and healthcare insurers, all trust ID Analytics to provide solutions that drive new revenue opportunities, reduce financial losses, and facilitate compliance with federal regulations. ID Analytics is based in San Diego, CA.

ID Analytics is a registered trademark of ID Analytics, Inc. All other trademarks and registered trademarks are the property of their respective holders.