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Loan Stacking Intercept™

Detect loan stacking risk before adjudication
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Why Choose Loan Stacking Intercept? 

Auto fraud and loan defaults are on the rise in Canada, with fraudsters using increasingly sophisticated schemes. One of the most prevalent scams? Loan stacking. 

Get the full story before you say “yes.” Loan Stacking Intercept flags borrowers who submit multiple applications so you can spot fraudsters before you commit funds.
 

Flag Risk Before Adjudication 
Get visibility into simultaneous or cascaded loan applications to help detect stacking risk before the final decision.
Improve Decision Accuracy
Apply real-time insights to flag high-risk applications while approving legitimate customers with confidence.
Make Faster Funding Decisions
Streamline review processes and minimize operational burden by reducing false positives and increasing fraud detection.
Reduce Portfolio Loss 
Help prevent the financial strain of “bust-out” fraud by stopping the loan before the asset leaves your dealership.

Flag Loan Stacking Before the Deal is Closed 

The most critical window in auto lending is the gap between a loan approval and the credit file update. Fraudsters exploit this lag by using fake or stolen IDs to hit multiple dealerships simultaneously.

Loan Stacking Intercept uses advanced AI technology that merges real-time credit and inquiry data to detect behavioral signals linked to high-risk loan stacking. Our solution acts as a real-time interceptor during the application process by combining velocity attributes — speed, frequency, and timing — with Equifax credit inquiry data to evaluate a consumer’s file for matching inquiries from as early as 24 hours up to 30 days.

If a consumer is flagged during account opening, you receive a notification with a loan stacking score and a count of stacking-like events. This empowers your team to stop a potential fraudster before the loan process is even finalized.

Don’t Be Left with Significant Losses while Fraudsters Disappear with Your Vehicles

Loan Stacking Intercept from Equifax Canada helps you improve portfolio performance and mitigate fraud by providing real-time visibility into simultaneous or cascaded loan applications.

Real-Time Velocity Signals

Access high-quality risk signals related to how frequently an identity is being used across the lending landscape right now.

Spot Matching Inquiries

See if a consumer has submitted matching loan applications within the past 24 hours to 30 days.

Support Long-Term Protection

Deter repeat fraudsters by leveraging Equifax’s proprietary data to flag fraudulent identity details on all future attempts.

Frequently Asked Questions

It provides a first-look risk signal. Instead of waiting for a tradeline to appear on a credit report (which can take weeks), you see the inquiry velocity in real-time. The system uses an advanced AI model that merges real-time credit and inquiry data to detect behavioral signals linked to high-risk loan stacking.

A flag is raised when our algorithms detect “stacking-like” behaviour, such as multiple inquiries for the same asset type across different lenders in a very short window.

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