What do the Identity Record Check results mean?

All reports have an overall result, which is either:

• clear - the user can be considered verified
• consider - the user cannot be considered verified because there are not enough matches found to meet our standard criteria of confirmation for that jurisdiction. Depending on the matches found and your risk appetite you might decide to trigger another check (e.g. an Identity Document check) or ignore it, and treat the user as verified.
• unidentified (outside of the UK only) - the user cannot be considered verified because there no matches are found.

The standard criteria of confirmation and breakdowns vary slightly based on the applicant address country.

Standard Criteria of Confirmation

UK applicant address:

• the applicant is not found in mortality lists AND
• at least one match on the applicant’s name and current address, and a match on the applicant’s name and date of birth (either in the same or different source) OR
• 2 matches on the applicant’s name and current address from 2 different sources

non-UK applicant address:

• at least one source matches the applicant’s name and current address

US applicant address (only when the SSN or the last 4 digits of the SSN are provided):

• at least one source matches the applicant’s name and address, and the last 4 digits of the SSN are matched 

Breakdowns

 UK applicant address

• Sources: Asserts whether at least a Source returned a match. This will return a consider if no match is found. A "Number of Sources" property will also be returned which represent the number of different sources where matches were found.
• Mortality: Asserts whether the applicant was found on a Mortality List. This will return a clear if no match is found.
• Address: Asserts whether at least one Name and Address match was found. This will return a consider if no match is found.
  • Credit Agencies: Asserts whether at least one Name and Address match was found on a Credit Agency data source. A "Number of Matches" property will also be returned which represent the Number of Credit Agencies Address Matches. This will return a consider if no match is found.
  • Voting Register: Asserts whether at least one Name and Address match was found on a Voting Register data source. This will return a consider if no match is found.
  • Telephone Database: Asserts whether at least one Name and Address match was found on a Telephone Database data source. This will return a consider if no match is found.
• Date of Birth: Asserts whether at least one Name and Date of Birth match was found. This will return a consider if no match is found.
  
  • Credit Agencies: Asserts whether at least one Name and Date of Birth match was found on a Credit Agency data source. This will return a consider if no match is found.
  • Voting Register: Asserts whether at least one Name and Date of Birth match was found on a Voting Register data source. This will return a consider if no match is found. 

non-UK applicant address

• Address: Asserts whether at least one Name and Address match was found. This will return a consider if no match is found. A "Sources" property will also be returned which detail the type of source where the match was found.
• Date of Birth: Asserts whether at least one Name and Date of Birth match was found. This will return a consider if no match is found.
• (US only) SSN: Asserts whether a match of the SSN or the last 4 digits of the SSN provided were found. This will return a consider if no match is found.
  • (US only) Last 4 digits match: Asserts whether a match of the last 4 digits of the SSN provided was found.
  • (US only) Full match: Asserts whether a match of the full SSN provided was found.