Decline credit applications made with deceased identities
Deceased identities are a favorite tool for synthetic and stolen identity fraud in lending. Death Verifier lets you screen every applicant and existing account against confirmed death records.
- 7 daysTypical record freshness
- 50 statesNationwide coverage
- $0.04Per confirmed record
The gap that fraud exploits
Credit card and loan applications submitted in the name of a deceased person can pass traditional identity checks because the identity itself is real. Without fresh death data, these applications get approved and the losses land on the issuer.
Common challenges
- Card and loan applications approved using deceased identities
- Synthetic identities built on real deceased Social Security numbers
- Charge offs on accounts that should never have been opened
- Manual review teams working without reliable death signals
What you get
Real time origination checks
Verify an applicant during the application flow with a millisecond API response.
Portfolio suppression
Batch check your existing book to find accounts opened before your controls improved.
Lower charge offs
Stop funding accounts that will never be repaid because the identity belongs to a deceased person.
How teams put it to work
Start with a batch scrub of your existing records, then move to real time checks as you integrate the API.
- Screen credit card and loan applications at origination
- Detect synthetic identities built on deceased identifiers
- Suppress deceased accounts across an existing portfolio
- Feed death signals into your fraud and underwriting models
Frequently asked questions
How do lenders detect deceased identity fraud?
Lenders integrate Death Verifier into origination and portfolio review. We compare applicant details against fresh confirmed death records and return a match with a confidence score so you can decline or review the application.
Can I verify applicants in real time?
Yes. Our REST API returns a verification result in milliseconds so you can screen an applicant without adding friction to the application experience.
Explore other teams we help
Banks and credit unions
Block deceased account takeover and new account fraud before funds move.
Explore this solutionEmployers and background checks
Catch deceased identity use in hiring, onboarding and payroll.
Explore this solutionInsurance carriers
Confirm date of death for claims, policy reviews and audits.
Explore this solutionPut fresh death data to work for lenders and card issuers
Create an account and pay only for the records we confirm, or talk to our team first.