Multi Bureau

No, Multi-Bureau is available through the same API as all other ID verification checks; ID3global. Therefore no additional integration work is needed to start using this service.

We do more than simply bring results back from two credit bureaus. It exposes the types of credit held by that customer within each Bureau’s databases and then de-duplicates these to give genuine independent matches of that individual. If our clients require a dual-source ID verification, we allow independent matches from both Bureaus to be combined into a single result, with the assurance that multiple matches are unique.

We give full transparency for how that result has been generated and our clients can configure their scoring and decision bands precisely to match their requirements.

Many financial organisations share data with all bureaus however some may only share with one or two, which means a person’s credit record may be held on one but not the other. Using two bureaus through a single solution gives coverage across the UK population and also maximises the results you can get from this data by combining multiple independent matches, as described in the previous question. We typically see pass rates improve by 5 to 10% when our clients implement Multi-Bureau.