Lead Integrity Attributes

We've developed a complete data solution to help lenders fine tune their customer acquisition activities.

Built for the invitation to apply model

The invitation to apply acquisition model allows lenders to utilize a marketing list to invite a pool of prospects to respond to their product offers. Once the consumer responds to that offer, the lender completes their due diligence process to determine if they will accept or reject the product application. There are significant costs and risks associated with marketing to and processing applications from high risk identities. The LexisNexis® Lead Integrity Attributes can help by suppressing the high risk identities early in the customer acquisition process, significantly improving their ability to manage fraud and required institutional risk (legal and regulatory compliance issues arising from identity verification, suspicious or contradictory identities, fraudulent activities and governing regulations). These insights provide considerable costs savings in a lender's marketing efforts.

See identities closely—choose prospects wisely

LexisNexis® Lead Integrity Attributes draws from the industry's largest proprietary data repository. Advanced analytics are run on multiple layers of prospect information to create a detailed identity profile. The output is a revealing set of attributes allowing for in-depth fraud and institutional risk assessment, enabling reliable scoring and improved decision-making.

Reduce losses—increase profits

LexisNexis® Lead Integrity Attributes are designed to help lenders in the customer acquisition stage by equipping them with insights about prospects, risks associated with their address, and other suspicious or problematic data associated with their identity. These insights help them to suppress prospects, who pose a high fraud or institutional risk, from their marketing campaigns. The result is that lenders can eliminate the marketing costs and avoid the application processing associated with high risk identities, allowing them to spend less money on marketing without impacting the number of accounts they successfully book.

Ensure legislative compliance

Tougher legislation, including the CARD Act and the Dodd-Frank Act automatically creates more demanding due diligence and compliance regulations. LexisNexis® Lead Integrity Attributes helps credit card issuers comply with age-based regulations associated with the CARD Act and helps offset the costs associated with other stringent regulatory requirements.

• Identity Fraud Risk Attributes
• SSN Attributes
• First Degree Relative and Associate Attributes
• Characteristics of Input Address
• Characteristics of Current (most recently reported) Address
• Characteristics of Previous (next most recently reported) Address
• Differences between Input Address and Current Address
• Differences between Current Address and Previous Address
• Transient Person Attributes
• Phone and High Risk Address Attributes
• Estimated Income, Property and Asset Information
• Derogatory Public Records
• Non-Derogatory Public Records
• Public Record Search Attributes
• Education Attributes
• Sub-Prime Credit Solicitation Attributes