name_validation
| Output | Description | Recommended Action |
|---|---|---|
| 0 | The borrower's input name is not valid as entered | Please check the name and provide valid input |
| 1 | Name Validation Pass The borrower's name matched via independent verification indicating a lower degree of identity risk | No action required |
| 2 | Name Validation Pass An alternate name was found with different spelling via independent verification (Bill vs William) indicating lower risk of identity theft | No action required |
| 3 | Name Validation Warning The borrower's name cannot be associated to previous history. Based on borrower's age, this may not represent significant identity risk | Verify information including the borrower's full name matches to the driver's license or other acceptable identity cards |
| 4 | Name Validation Warning The borrower's name cannot be associated to any previous history via independent verification | Verify information including the borrower's full name matches to the driver's license or other acceptable identity cards |
| 5 | Name Validation Warning The borrower's name as entered does not match independent verification indicating a higher degree of identity risk | Verify information including the borrower's full name matches to the driver's license or other acceptable identity cards |
ssn_validation
| Output | Description | Recommended Action |
|---|---|---|
| 0 | The borrower's Social Security number is not valid as entered | Please check the social security number and provide valid input |
| 1 | SSN Validation Pass The Social Security Number provided matches via independent verification indicating a lower degree of identity risk | No action required |
| 2 | SSN Validation Warning The borrower's Social Security Number cannot be associated to previous history. Based on borrower's age, this may not represent significant identity risk | Review Social Security Number is accurate and if it was entered correctly, then request a copy of the Social Security card for verification |
| 3 | SSN Validation Warning The borrower's Social Security Number cannot be associated to any previous history via independent verification | Review Social Security Number is accurate and if it was entered correctly, then request a copy of the Social Security card for verification |
| 4 | SSN Validation Warning The Social Security Number which was entered matches to the Death Master File indicating a very high degree of synthetic identity or identity risk | Review Social Security Number is accurate and if it was entered correctly, then request a copy of the Social Security card for verification |
| 5 | SSN Validation Warning The Social Security Number was checked via independent verification and it was determined that it was potentially mistyped | Review Social Security Number is accurate and if it was entered correctly, then request a copy of the Social Security card for verification |
| 6 | SSN Validation Warning The Social Security Number was issued prior to borrower's date of birth which represents a much higher degree of identity risk | Review Social Security Number is accurate and if it was entered correctly, then request a copy of the Social Security card for verification |
| 7 | SSN Validation Warning The Social Security Number was checked via independent verification and it was determined to be an invalid number | Review Social Security Number is accurate and if it was entered correctly, then request a copy of the Social Security card for verification |
| 8 | SSN Validation Warning The Social Security Number was checked via independent verification and other identities are linked to this same number which indicates a higher degree of identity risk | Review Social Security Number is accurate and if it was entered correctly, then request a copy of the Social Security card for verification |
| 9 | SSN Validation Warning There was an excessive number of identities linked to this same Social Security Number which indicates a higher degree of identity risk | Review Social Security Number is accurate and if it was entered correctly, then request a copy of the Social Security card for verification |
| 10 | SSN Validation Warning The borrower's Social Security Number was checked via independent verification and the number is associated with another identity other than this borrower | Review Social Security Number is accurate and if it was entered correctly, then request a copy of the Social Security card for verification |
| 11 | SSN Validation Warning The Social Security Number, as entered, is not valid | Review Social Security Number is accurate and if it was entered correctly, then request a copy of the Social Security card for verification |
| 12 | SSN Validation Warning The borrower's Social Security Number has not been reported for more than 12 months, indicating higher level of identity risk | Review Social Security Number is accurate and if it was entered correctly, then request a copy of the Social Security card for verification |
| 13 | SSN Validation Warning Borrower's name is associated with multiple unique social security numbers via independent verification sources, which indicates a high level of identity risk | Review Social Security Number is accurate and if it was entered correctly, then request a copy of the Social Security card for verification |
| 14 | SSN Validation Warning The Social Security Number as entered has been identified as having significant risk historically and should be validated carefully | Review Social Security Number is accurate and if it was entered correctly, then request a copy of the Social Security card for verification |
| 15 | SSN Validation Warning The Social Security Number as entered cannot be associated to any history via independent verification, which indicates a higher degree of identity risk | Review Social Security Number is accurate and if it was entered correctly, then request a copy of the Social Security card for verification |
address_validation
| Output | Description | Recommended Action |
|---|---|---|
| 0 | The borrower's address is not valid as entered | Please check the address and provide a valid input |
| 1 | Address Validation Pass The address provided was checked via independent verification and matched to the borrower indicating lower risk | No action required |
| 2 | Address Validation Pass The address provided was checked via independent verification and it matched to a newly reported address for the borrower | Request proof of residency in the form of a utility bill, bank statement, or other document that shows the borrower lives at the address provided |
| 3 | Address Validation Warning The borrower's stated address cannot be associated to previous history. Based on borrower's age, this may not represent significant security risk | Verify information including the borrower's full name matches to the driver's license or other acceptable identity cards |
| 4 | Address Validation Warning The borrower's stated address cannot be associated to any previous history via independent verification | Request proof of residency in the form of utility bill, bank statement or other documentation that shows the borrower lives at the address provided |
| 5 | Address Validation Warning The address entered is possible an invalid address according to an independent verification service | Request proof of residency and review address via search engine to confirm that the address is a valid address |
| 6 | Address Validation Warning The address provided doesn't match previous records via independent verification | Request proof of residency in the form of utility bill, bank statement or other documentation that shows the borrower lives at the address provided |
| 7 | Address Validation Warning The address as entered doesn't match to previous records via independent verification, which indicates a higher degree of identity risk | Request proof of residency in the form of utility bill, bank statement or other documentation that shows the borrower lives at the address provided |
dob_validation
| Output | Description | Recommended Action |
|---|---|---|
| 0 | The borrower's date of birth is not valid as entered | Please check the date of birth and provide a valid input |
| 1 | DOB Validation Pass The date of birth provided matches via independent verification, indicating a lower degree of identity risk | No action required |
| 2 | DOB Validation Pass The date of birth provided matches to the historical application records for the borrower, indicating a lower degree of identity risk | No action required |
| 3 | DOB Validation Warning The borrower's date of birth cannot be associated to previous history. Based on the borrower's age, this may not represent significant identity risk | Verify information including the borrower's full name matches to the driver's license or other acceptable identity cards |
| 4 | DOB Validation Warning The borrower's date of birth cannot be associated to any previous history via independent verification | Check date of birth and review information matches driver's license or other form of acceptable documentation |
| 5 | DOB Validation Warning The date of birth provided doesn't match via independent verification | Check date of birth and review information matches driver's license or other form of acceptable documentation |
employer_validation
| Output | Description | Recommended Action |
|---|---|---|
| 0 | The borrower's employer was not checked because no employer information was entered | Please provide a valid employer name or valid employer phone number if available |
| 1 | Employer Validation Pass Employer has not been identified as risky or has not previously been seen in consortium records historically | No action required |
| 2 | Employer Validation Warning The employer as entered has been identified as having significant risk historically and should be validated carefully | Request proof of income from the borrower in the form of bank statements or paystubs. Verify the paystubs carefully to ensure that borrower's employer is valid |
| 3 | Employer Validation Warning The employer phone as entered has been identified as having significant risk historically and should be validated carefully | Request proof of income from the borrower in the form of bank statements or paystubs. Verify the paystubs carefully to ensure that borrower's employer is valid |
income_validation
| Output | Description | Recommended Action |
|---|---|---|
| 0 | The borrower's income was not checked because no income information was entered | Please provide income information if available |
| 1 | Income Validation Pass There are no red flags or inconsistencies identified with the borrower's stated income | No action required |
| 2 | Income Validation Warning Consumer's income has increased considerably within the last 120 days compared to previous application representing higher income risk | Request proof of income from the borrower in the form of bank statements or paystubs. Verify the paystubs carefully to ensure that borrower's employer is valid |
| 3 | Income Validation Warning Consumer's income has increased substantially within the last 365 days compared to previous applications, representing higher income risk | Request proof of income from the borrower in the form of bank statements or paystubs. Verify the paystubs carefully to ensure that borrower's employer is valid |
| 4 | Income Validation Warning Borrower's income is at higher risk of being materially misrepresented based on independent verification services | Request proof of income from the borrower in the form of bank statements or paystubs. Verify the paystubs carefully to ensure that borrower's employer is valid |
otp_val_confirm
| Output | Description | Recommended Action |
|---|---|---|
| 0 | Indicates the phone number provided by the borrower is reliable for OTP (one time passcode) validation | Use OTP validation to validate identity |
| 1 | Indicates the phone number provided by the borrower is not reliable for OTP (one time passcode) validation | Phone should not be used to validate identity |
ofac_check
| Output | Description | Recommended Action |
|---|---|---|
| 0 | Indicates the name was not found and the borrower passed the OFAC check | No further action required |
| 1 | Indicates the name was found on at lease one list and the borrower failed the OFAC check | Follow instructions on the OFAC website to further research the status of the borrower at OFAC Resources |