Identity Score

It is said that a true man wears his own identity
wherever he goes. Identity score as defined from
financial institutions determines the validity of a
person's individuality.

Identity score always deals with persons public
realm. Identity score is gradually gaining popularity
in the sector of banking and commercial dealing.

It is now been considered as a reliable concept to
tackle the rising cases of forgery - corruption and
deceit in business dealings.

By applying identity score banks and associated
organizations can assess the public identity records.

Identity scores contain a detailed account of consumer
data that assures a persons legitimacy.

Identity score components can include personal
Identifiers public records - Internet data - government
records - corporate data - predicted behavior patterns
based on empiric data - self-assessed behavior
patterns - and credit records.

It is also right to mention that identity scoring is
an upcoming measure that directly assists crime
investigation and proposes to prevent anti-terrorism.

Identity scores can be broadly categorized under three
heads:

a} public records,

b} private records and

c} credit records.

Public record can further be segregated into sections
like national - state and local government records,
financial records like bankruptcies - liens and
judgments - property ownership records and law
enforcement records for felony and misdemeanor
convictions.

Private {non-credit} records can hold in itself any of
the following details:

a} Bill and utility payments,

b} collected personal information from marketers or
affiliates,

c} information provided to subscription-based Internet
services,

d} billing information from medical services,

e} private background checks conducted by human
resource departments and information submitted to any
or all credit bureaus or credit reporting agencies and

*Auto insurance* underwriting scores generated from
credit records.