What is an Identity Record check?

The Identity Enhanced report validates an applicant’s name, address, date of birth, mortality (where applicable) and tax ID (where applicable) by cross-referencing their details against a range of verified databases (including credit bureaus, voter registries, utility providers and other trusted sources).

You can find a list of the countries you can run an Identity Record check in, here.

Inputs

We require the below information for any applicants who require an Identity Record check:

• Full Name (first name, any middle names and surname).
• Date of Birth
• Current Address (this should be entered as it is displayed in any legal documents)

For US Identity checks, you can additionally provide for SSN verification:

• The last 4 digits of the SSN or
• The full SSN

Sources

We leverage different sources depending on the applicant country address. Below you can find the list of Sources and their respective definitions which you may see returned on an Identity Enhanced Report:

• Credit Agencies - Data comprised of consumer credit applications
• Voting Register - Data comprised of voter registration within a country
• Telephone Database  - Data provided by both landline and mobile providers
• Government - Any standard publicly accessible data collected by government entities. These include driver’s license data, motor vehicle registration, court filings, property ownership registers, permanent place of residence registration and other similar datasets
• Business Registration - Data comprised of business registrations, corporate directors filings and business hierarchy data
• Consumer Database - Opt-in consumer data leveraging database marketing and other similar opt-in data sources
  
• Utility Registration - Data comprised of utility registrations such as electricity, gas, water accounts
• Postal Authorities - Data provided by postal authorities
• Commercial Database - These are corporate/private databases where users have opted-in and allowed for their information to be used for the purpose of verification of their identities
• Proprietary - This is when a data provider chooses not to divulge the source of the data to us for varied reasons, and also includes social media-based data
• Register of Deaths - Negative source for known deaths (the UK only)