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Detect Intentional Credit Misuse and Mitigate Risk

Gain insight into high-risk consumers from across the credit spectrum.
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LexisNexis® RiskView™ Intentional Misuse


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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.

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:

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Improve credit abuse prediction capabilities

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Leverage near-real time visibility into an applicant's credit-seeking behaviors

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Take adverse action and avoid costly step-up remediation

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Increase portfolio performance by reducing open-to-buy for IMOC account holders

Accelerate risk assessment with a unique view of consumer behavior

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Add critical layers of protection
Detect IMOC applicants that can pass through traditional authentication controls

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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

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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.

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Analyze for intent

Identify high-loss incidents before they can harm your organization, including first-payment defaults and bust-outs.
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FCRA-actionable assessments

Decline high-risk applicants and justify your lending decisions based on a risk score and provided reason codes.
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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.

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