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.