Credit Risk Assessment

Credit Risk Assessment and Management

Under utilizes ID Analytics, owned by Lexisnexis, to assess credit risk. 

ID Analytics ID Score

Range: 0 - 1000

• 0 - 500: green, low fraud risk
• 500 - 700: light to bright yellow, not worth decisioning on - a signal but not enough in and of itself, low-medium fraud risk
• 700 - 850: orange, highly questionable - medium-high fraud risk
• 850 and above: red, high fraud risk
• 950 and above: bright red, very high fraud risk

Returned Reason Codes

The Returned Reason Codes table displays the reason codes returned whether or not they were used in decisioning. Here is a link to a list of reason codes.