What do the Stolen and Synthetic Identity scores mean?

During an Identity Verification session, we analyze core personal information to assess the likelihood that an identity has been misused or fabricated.

Using this data, we generate two separate risk scores (0–100%):

• Synthetic Identity Risk
• Stolen Identity Risk
  
  

Each score is labeled Low, Medium, or High to help guide review decisions.

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How to Use These Scores

• Low Risk: Proceed with standard verification.
• Medium Risk: Consider additional verification steps.
• High Risk: Recommend enhanced review before approval.
  
  

These scores indicate probability — not certainty. Final decisions should align with your organization’s risk tolerance and review policies.

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Synthetic Identity Risk

What it measures:
The likelihood that the identity has been fabricated or manipulated using a combination of real and false information.

Thresholds:

• Low Risk: 0-59

• Medium Risk: 60-69
• High Risk: 70-100
  
  

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Stolen Identity Risk

What it measures:
The likelihood that the provided personal information belongs to a real individual whose identity may have been compromised or misused.

Thresholds:

• Low Risk: 0-79

• Medium Risk: 80-89
• High Risk: 90-100

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How Scores Are Calculated

Examples of signals evaluated include:

• Whether the identity is associated with a deceased individual
• How many identities share a phone number or email
• Whether SSN issuance aligns with age and identity history
• Length of history associated with SSN, phone, and email
• Whether the individual has prior history tied to a different SSN