First American CREDCO - ProScan ID is a simple and reliable way to verify a borrower’s identity to prevent mortgage application fraud.

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ProScan ID
Applicant ID Verification

First American CREDCO’s ProScan ID is a simple and reliable way to verify a borrower’s identity to prevent mortgage application fraud. Keying off applicant information, ProScan ID accesses multiple data providers and sources to instantly deliver the most accurate applicant verification data available.

Fictitious borrowers and falsified identities are some of the
most common elements across multiple mortgage fraud
schemes. In most cases, mortgage fraud can be prevented by
validating the identity of the borrower and/or co-borrower.

Product Highlights

Recognizes and reports critical discrepancies
ID theft alerts and active duty alerts
Easily integrated into your current LOS and other systems
Reduces your risk by identifying potential fraud before it occurs
Helps mitigate your repurchase, default and delinquency costs
Expanded, best match search results from multiple data source

ProScan ID

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Multi-Sourced Solution
ProScan ID is a multi-sourced product that helps identify fictitious borrowers, falsified identities, or “straw buyers” by validating multiple identity elements from the loan application. ProScan ID
goes beyond simple “alert” products by providing the data you need to research, verify and document variations in loan application identify information.

Seamless Integration
Easily integrated into your existing LOS or other systems, ProScan ID helps automate your identity verification process and supports your overall Customer Identification Program. It lets you verify an
applicant and co-applicant’s identity simultaneously at any stage of the mortgage lending cycle – from the screening, application and underwriting process right through to post-close and servicing.

Best Match and Critical Discrepancies
Beyond standard alert products, ProScan ID delivers optimum best match results based on advanced logic and filtering algorithms. It recognizes and reports critical discrepancies, such as multiple-issued, invalid, stolen or deceased Social Security Numbers (SSN); And inconsistencies between SSN, name and address. Results also include FACT Act alerts.

Drawing from multiple data sources, ProScan ID organizes data into ‘Identity Groups’ with full data disclosure, making it easier for you to validate the accuracy of a loan
applicant’s information.