Detect Intentional Credit Misuse and Mitigate Risk
Gain insight into high-risk consumers from across the credit spectrum.
Download the Brochure
Preventing intentional misuse has been extremely challenging — until now.
Stop high risk applicants who fall between the cracks of fraud and credit controls
As organizations look to grow their lending portfolios, they need new approaches to help defend against evolving risks.
Intentional Misuse of Credit (IMOC), sometimes referred to as first-party fraud, is a growing category of financial losses stemming from applicants who intend to misuse credit at your organization, yet utilize their real identities and prime or near-prime credit histories to breeze past identity proofing controls and meet credit criteria.
Intentional Misuse of Credit (IMOC), sometimes referred to as first-party fraud, is a growing category of financial losses stemming from applicants who intend to misuse credit at your organization, yet utilize their real identities and prime or near-prime credit histories to breeze past identity proofing controls and meet credit criteria.
LexisNexis® RiskView™ Intentional Misuse combines traditional and alternative credit data to fill a gap at the point of application that allows these high-risk applicants to elude risk controls.
RiskView Intentional Misuse equips you with the targeted insights you need to support more confident lending decisions:
Improve credit abuse prediction capabilities
Leverage near-real time visibility into an applicant's credit-seeking behaviors
Take adverse action and avoid costly step-up remediation
Increase portfolio performance by reducing open-to-buy for IMOC account holders
Accelerate risk assessment with a unique view of consumer behavior
Add critical layers of protection
Detect IMOC applicants that can pass through traditional authentication controls
Identify an extensive range of intentional misuse threats
Prevent consumers who intend to utilize their personal credit history to open accounts at your organization with no intention to repay
Enhance risk management
Identify existing customers who show signs of IMOC elsewhere in the market, prior to bust-out
An easy-to-integrate solution that helps prevent future credit abuse
RiskView Intentional Misuse provides a three-digit credit risk score with reason codes that empower you to explain why suspicious applications are declined or, if approved, why they failed to qualify for the best interest rates.
Analyze for intent
Identify high-loss incidents before they can harm your organization, including first-payment defaults and bust-outs.
FCRA-actionable assessments
Decline high-risk applicants and justify your lending decisions based on a risk score and provided reason codes.
Works with existing LexisNexis Risk Solutions products
Use with LexisNexis® RiskView™ Attributes or LexisNexis® RiskView™ Scores for added protection during risk assessment.
Featured Content
Reduce the intentional misuse of credit
Learn more about how RiskView Intentional Misuse can help identify applicants who may be seeking to abuse requested credit or services.
Make more confident lending decisions
Learn how RiskView Intentional Misuse can help fill a critical gap in risk assessment.
Loading...
Related Products
-
LexisNexis® RiskView™ List Generation
Expand your market share and increase customer lead generation with reliable marketing lists
Learn More -
LexisNexis® RiskView™ Optics and RiskView™ Spectrum Scores
Improve risk assessment performance across the credit spectrum
Learn More -
RiskView Attributes
Enhance risk modeling performance across the credit spectrum
Learn More