Press Release 11/01/2010
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Solutions Assess 100% of the Population, Including the Underbanked

SAN DIEGO, CA – November 1, 2010 – ID Analytics, Inc., a leader in consumer risk management, and Clarity Services, Inc., a consumer reporting agency, announced today an expansion of their relationship to deliver solutions that fine tune fraud risk decisioning for underbanked consumers. Underbanked or “thin file” consumers may be creditworthy but lack a credit history or a traditional bank account. According to the 2009 FDIC National Survey, more than 42 million American adults fall into this category.

The two companies partnered in 2008 to offer Clarity’s Clear ID Fraud™ powered by ID Analytics’ ID Score® Action to provide organizations with unique visibility into the fraud risk of consumers, including the underbanked. Building upon that success, Clarity now offers ID Analytics’ ID Network® Attributes™, a solution that strengthens organizations’ fraud detection systems with insight based on information within the ID Network—the nation’s only real-time cross-industry compilation of identity information.

“In today’s competitive and challenging credit landscape, underbanked consumers represent an important market opportunity for financial institutions,” said Dr. Stephen Coggeshall, Chief Technology Officer, ID Analytics. “ID Analytics provides granular visibility into the risk of these consumers so that financial institutions can make more informed decisions and consumers can gain access to the credit they deserve.”

The combined solution will aggregate consumer identity behavior data from various sources such as payday and installment loans, as well as rent-to-own transactions. In a challenging credit market, this enables organizations to gain the most specific insight available on potentially fraudulent activity and improve the overall lending process.

“This partnership with ID Analytics’ technology allows us to provide our customers with a highly predictive view of a consumer,” said Brian Ketelsen, Chief Operating Officer, Clarity Services. “Our financial lending customers can use this information to improve the decision-making process, reduce high-risk lending and better service consumers.”

About ID Analytics, Inc.

ID Analytics is transforming consumer risk management with patented analytics, proven expertise, and real-time insight into consumer behavior. By combining proprietary data from the ID Network®—one of the nation’s largest networks of cross-industry behavioral data—with advanced science, ID Analytics provides unprecedented visibility into identity risk and creditworthiness. Every day, the largest U.S. companies and critical government agencies rely on ID Analytics to make risk-based decisions that enhance revenue, reduce fraud, drive cost savings, and protect consumers. Please visit us on the web at

For More Information Contact:
Scott Love
Schwartz Communications, Inc.

Lisa Luczyk
ID Analytics, Inc.

ID Analytics is a registered trademark of ID Analytics, Inc. All other trademarks and registered trademarks are the property of their respective holders.

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