Identity, Fraud Solutions


InstantID® is a powerful consumer verification tool, accessing over 36 billion public & private records and powered by LexisNexis linking technology. The only verification solution endorsed by the American Bankers Association, InstantID® yields a 99.9% resolution rate through multiple levels of authentication:   
  • Validating data is real (SSA issued SSN, valid address)  
  • Verifying data belongs to 1 person (SSN/DOB match name) 
  • Identifying suspicious & compromised identities (SSN issued prior to DOB, SSN on death master file)
InstantID® immediately detects fraudulent indicators, including:
  • SSN issued prior to birth date
  • Prison & campground addresses
  • Terrorist watchlist & OFAC records
  • Disconnected phone numbers
  • Death records
Authenticate hard-to-find applicants with InstantID®, who are overlooked using only traditional credit data:
  • 10% of US consumers have no file with all 3 credit bureaus
  • Only 36% of applicants have the same address on file with all 3 credit bureaus
  • 6% of applications include mis-keyed names, addresses and SSN
View InstantID®

Application Data Validation

Application Data Validation (ADV) is a comprehensive tool that verifies all loan information in one, easy-to-read report with summarized findings! ADV includes validation elements required by secondary market investors including Fannie Mae LQI, CitiMortgage, Chase Rural, Stonegate Mortgage, Pacific Union Financial, and others:
  • Summary Alert & Risk Score
  • Borrower Identity
  • Address History & Property Ownership
  • MERS Lien
  • Employer ID
  • Subject Property
  • FHFA Home Price Index
  • FEMA Declared Disaster
  • Excluded Party & Appraiser License
  • AVM 
  • Estimated Income
Objective and independent analysis, using the most current, real-time data to detect fraud, flag risk elements, enable compliance and reduce the risk of loan repurchase!

View Application Data Validation

Social Security Administration (SSA) Search

Verify SSN and name combination while checking against the SSA Death Master file. The SSA89 Report satisfies Fannie Mae's LQI requirement.
SSA89 Authorization Form
View SSA89 Report

An attestation form must be completed (one per client account), to fulfill SSA-89 requests:
SSA Attestation

Contact CIS for more information on these, and other Identity, Fraud and Verification Solutions.

CIS completes ARIVE integration!
Protect your loans with Undisclosed Debt Notifications and close more loans!

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 for more information