What it entails

Validation Checks validate the input information against authoritative data sources such as credit header lists. The Validation Check Package is a separate package for Verify and must be added in addition to standard Verify. To disable it in a request, you can pass the validate=false to disable for customers who have Validations enabled.

Why it works

Validating information against authoritative sources can suggest identity mismatch, outdated information, or potential fraud when the information does not match the authoritative source.

Checks

The following are the distinct IDs and types of checks that are included in the Validation Check Package.

NAME_ADDRESS_VALIDATED

Instead of indicating that the provided name does not correlate with the given address, this is now a "validation" check to determine if the name/address is:

• an authoritative source
• a non-authoritative source
• can be linked through other identifiers
• or can't be found at all.

This can suggest identity mismatch, outdated information, or potential fraud when the name isn’t historically or currently associated with the address.

Examples

• The name and address can be matched to a credit header source.
• The name and address cannot be matched to a credit header source, but could be found in our graph through other non-authoritative sources.
• We couldn't match name/address directly, but we could find the name through a provided email address and we found the address through a provided phone number.
• We couldn't find a match anywhere through any means.

SSN_MATCH

This will validate whether different combinations of inputs could be validated against authoritative and non-authoritative sources.

Examples

We consider the SSN to be valid through a source in our graph by checking SSN, NAME, ADDRESS, AND DOB. The minimum number of fields required for validation include:

• SSN+NAME+ADDRESS
• SSN+NAME+DOB