1. Kevin King

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

     |  By Kevin King

    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 treated as unscorable by the nationwide consumer reporting agencies. Leveraging alternative …

  2. Carmel Maher

    Synthetic identities: How well are you reading the signals?

     |  By Carmel Maher

    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 applicant identity is real and predict future behavior when the signals …

  3. Carmel Maher

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

     |  By Carmel Maher

    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 and 2013.¹ Credit card issuers aren’t the only ones caught …

  4. Ken Meiser

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

     |  By Ken Meiser

    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 address.

    Consumer Privacy

  5. Ken Meiser

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

     |  By Ken Meiser

    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 28, 2018 and goes into effect January …