Prevent the origination
Stop the application at decision time instead of writing off the balance three months later.
Lending & Credit
Decline decedent applications at the point of decision
A deceased identity with a clean credit history is one of the most valuable assets in the fraud economy. It has no one to dispute the charges and no one to notice, until the charge-off lands on your book.
<300msMedian latencyFits inside instant-decision underwriting without adding friction.
0.98Typical match confidenceDeterministic scoring your rules engine can threshold on directly.
DailyIndex refreshNew decedent records published every day, not on a monthly cycle.
The exposure
What goes wrong without current deceased data
Every one of these failures traces back to the same root cause: the death happened weeks before the data you screen against reflected it.
- Credit files for the recently deceased look pristine and sail through automated underwriting
- Bust-out losses are recognised months later, long after recovery is realistic
- Synthetic profiles seeded with a decedent SSN defeat conventional identity checks
- First-payment-default investigations consume analyst time that prevention would have saved
The outcome
What changes for lenders & credit issuers
Break synthetic identities
A decedent SSN paired with a mismatched identity is one of the strongest synthetic-fraud signals available.
Lower fraud loss rate
Removing decedent originations reduces both gross fraud losses and downstream collections spend.
No impact on approval speed
Sub-second responses keep instant-decision funnels instant.
Where it fits in an underwriting flow
The verification call typically sits alongside your bureau pull and identity-proofing step. A deceased verdict with high confidence becomes a hard decline rule; a lower-confidence match routes to manual review with the matched-field breakdown attached so an analyst can adjudicate in seconds rather than opening a research case.
The flow
From identity to decision
STEP 01
Send the identity
Post the name, date of birth and any combination of SSN or last known address to our verification endpoint, or upload a batch file through the dashboard.
STEP 02
We match against the live index
The identity is scored against our continuously refreshed nationwide deceased index, built from source records rather than downstream aggregators.
STEP 03
Get a decision-ready verdict
You receive a clear deceased / not-found verdict, a confidence score, the date of death where available and a reference ID you can store for audit.
STEP 04
Act before the loss
Block the application, freeze the account, pause the benefit payment or route to manual review, all before funds move and while recovery is still possible.
FAQ
Lenders & Credit Issuers questions, answered
Frequently asked questions
Where in our decision flow should the check run?
Most lenders place it immediately after identity proofing and alongside the bureau pull. A high-confidence deceased verdict becomes a hard decline; anything below your chosen threshold routes to manual review with the matched fields included so an analyst can adjudicate quickly.
Does this help against synthetic identity fraud specifically?
Yes, and it is one of the strongest available signals. Synthetic profiles are frequently built around a real SSN belonging to someone deceased, combined with a fabricated name and date of birth. When the SSN matches a decedent record but the accompanying identity attributes do not, that contradiction is a high-quality fraud indicator.
What volume can the API sustain?
Throughput tiers are sized to your expected application volume and agreed during onboarding. High-volume issuers run real-time checks on every application plus a nightly batch across the existing portfolio without hitting limits.
Can we test the integration before committing?
Yes. We issue sandbox credentials with deterministic test identities covering deceased, not-found and low-confidence paths, so your team can build and certify the full integration before any contract is signed.
Other sectors
Death verification in adjacent industries
Banks & Credit UnionsCatch decedent account fraud before the funds moveInsurance CarriersValidate every claim against a current death indexGovernment & Public AgenciesStop improper payments before the next disbursementPension & Retirement FundsDetect deceased annuitants before the next payment runEmployers & HR ScreeningCatch stolen identities at onboarding, not at auditHealthcare & PharmacyProtect patient records from posthumous misuse
Close the gap for your lenders & credit workflow
Share your use case and expected volume and we will issue sandbox credentials so your team can build and certify the integration before contracting.
