• Product Sheet
Product

Synthetic Identity Score

Help onboard customers with confidence by catching synthetic identity threats.
Contact Us

Why Choose Synthetic Identity Score?

Synthetic Identity Score from Equifax Canada leverages proprietary cross-industry data and advanced technology to analyze the likelihood that an identity is real or fabricated. This helps you prioritize legitimate customers while halting the synthetic fraud lifecycle before it impacts your business. 

Maximize Approvals

Confidently approve more legitimate customers with real-time scoring at onboarding.

Enhance the Customer Experience 

Lower false positive rates with predictive machine learning (ML), accelerating approvals for real customers.

Future-proof Risk Model

With continuous learning and instant updates, improve detection against evolving tactics.

Proactive Portfolio Monitoring

Automate ongoing risk screening to detect risk in your portfolio before a bust-out event occurs.✝

Accurately Classify Losses

Categorize fraud losses that were written off as bad debt, clarifying credit risk versus fraud risk.

Maximize Approvals
Confidently approve more legitimate customers with real-time scoring at onboarding.
Enhance the Customer Experience 
Lower false positive rates with predictive machine learning (ML), accelerating approvals for real customers.
Future-proof Risk Model
With continuous learning and instant updates, improve detection against evolving tactics.
Accurately Classify Losses
Categorize fraud losses that were written off as bad debt, clarifying credit risk versus fraud risk.**

Use AI to Detect and Prevent Synthetic Identity Fraud Before a Bust-out

Synthetic identity fraud occurs when a fraudster blends real or fictitious identity components to create a new identity. Typically, fraudsters nurture these identities for months or even years by accessing small amounts of credit (such as a credit card) and paying them off consistently so that they look legitimate. Once they establish an acceptable credit history, the fraudster maxes out the credit limits, leaving the lender with significant financial losses. 

Powered by Equifax credit behavioural data and trained on FraudIQ™ Exchange consortium data, our AI solution provides a score indicating the likelihood that an identity is synthetic. Use the score to help you choose which customers to fast-track and which ones might need closer investigation.

Protect Your Portfolio from Synthetic Identity Fraud

Fueled by AI, the Equifax Cloud (offering a strong technical advantage), and Data Fabric (enabling cross-industry insights), Synthetic Identity Score helps businesses evaluate applicants at the front door or score existing customer accounts on an ongoing basis.✝ The product generates a score from 1-999 indicating the likelihood of an identity being synthetic, helping to reduce your fraud exposure.

Frequently Asked Questions

A synthetic identity is a fake identity created using personally identifiable information components of real identities (name, address, etc.) combined with fake information. These identities are used to acquire credit products before ‘busting out,’ leaving the lender with financial losses.

No. Synthetic identity checks should be used as one indicator of risk. Applications with elevated scores should be subject to additional due diligence before a final credit decision is made.

Yes. The score can be used as a “back book” or “clean up” to pinpoint accounts suspected of being opened using synthetic identities.✝

Related Resources

Product Sheet
Product Sheet
Synthetic Identity Score
Product Sheet

Related Products

Kount Identity Verification™
An end-to-end authentication solution that helps verify the identity of your customers.
Learn More
Document Verification
Authenticate government-issued ID documents with ease
Learn More
QuickMatch
Verify a credit card number to its owner to approve online sales quicker.
Learn More
Feature.Banner_temp

Understanding and Combating Synthetic Identity Fraud

Why traditional red flags are failing — and how lenders can detect these sophisticated schemes before a “bust-out” occurs.

Prioritize Legitimate Customers

✝Batch functionality scheduled to be available later in 2026. Roadmap subject to change.