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What do the Stolen and Synthetic Identity scores mean?

Learn how to evaluate stolen and synthetic identity risk indicators in your verification workflow.

Introduction

During Identity Verification, Worth analyzes personal information to evaluate whether an identity may be fabricated or misused. Two risk scores (0–100) are generated, one for Synthetic Identity Risk and one for Stolen Identity Risk. Each score is categorized as Low, Moderate, or High to help guide review decisions.

Note: These scores indicate probability, not certainty. Final decisions should align with your organization’s risk tolerance and internal policies.

Risk Level Guidance

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

Synthetic Identity Risk

  • Indicates the likelihood that an identity was fabricated using a combination of real and false information. Thresholds are as follows:
    • Low: Score below 60
    • Moderate: Score below 70
    • High: Score of 70 or above

Stolen Identity Risk

  • Indicates the likelihood that the information belongs to a real individual whose identity may be used fraudulently. Thresholds are as follows:
    • Low: Score below 80
    • Moderate: Score below 90
    • High: Score of 90 or above

How Risk Is Evaluated

  • Risk scores are calculated by analyzing the consistency, history, and associations of user-provided information, including:
    • Name
    • Address
    • Phone number
    • Email
    • Date of birth
    • Social Security number
  • Signals evaluated may include:
    • Whether the identity is linked to a deceased individual
    • How many identities share the same phone number or email
    • Whether SSN issuance aligns with the individual’s age
    • The length of history tied to the SSN, phone number, or email

Data Matching Notes

  • Verification typically begins by matching records using the SSN or ID number, then comparing other details such as name and address.
  • If an incorrect SSN is entered, the system may retrieve the wrong record, which can cause mismatches and lead to a failed verification. In these cases, document verification may be used as a fallback.