Fraud Detection

FraudGuard® Alerts & Optional Modules

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Increase Mortgage Loan Quality

Optional modules can be added to customize our FraudGuard solution to better suit your institution's preferences for application reviews. Enjoy greater speed and efficiency, compliance with regulations and increased loan quality control.

Ownership & Occupancy

Performs a nationwide search for properties owned by the borrower and uses exception-based alerting to identify other properties owned by borrowers, occupancy issues, foreclosures and unidentified addresses used by borrowers. The module assesses a borrower’s ownership history and provides an interactive ownership timeline.

Lien & Judgment Reviews

Expanded Liens & Judgment review service integrated into the FraudGuard solution as a fraud prevention tool to assess the risk associated with borrowers that have liens and judgment history to determine if further inquiries are required.

Bankruptcy Search

Checks to see if the borrower has bankruptcy record(s) prior to or after the loan application date.

Associated Business Search

Provides the ability to review if other businesses are associated with the borrower and the status of the borrower’s employer.

Income Assessment

Provides an income estimation that includes a realistic income range for a job title to identify potentially overstated borrower income.


Searches NMLS (Nationwide Mortgage Licensing System & Registry) database to validate the mortgage broker and loan officer’s NMLS ID.

Listing Data

Provides an up-to-date market insight into the subject property and the neighborhood listings. The module includes subject property details based on the MLS. It also includes information on up to 10 area active listings in relation to the subject property.

4506-C Tax Transcripts

Provides the ability to place 4506-C orders directly through the FraudGuard report and leverages analytics to identify areas of risk within the returned IRS data. 4506-C Tax Transcripts can also be purchased as a standalone option.

Undisclosed Debt Monitoring®, powered by Equifax®

Monitors the borrower's activity to identify changes to existing accounts, new debts and derogatory details incurred during the lending process that may impact the loan approval or terms of approval. The integration of Undisclosed Debt Monitoring (UDM) within the FraudGuard solution constantly monitors borrower activity and provides alerts with customized notifications. The analysis of the UDM alerts is included in the overall borrower risk score in FraudGuard reports.

Verification of Employment & Income
The Work Number®, a service of Equifax

Provides the ability to request employment and income verification directly through the FraudGuard solution. The integration of The Work Number includes; Instant, Manual (Researched) and Reverify order types. The order results can be viewed directly in FraudGuard reports and the analysis of the results are included in the overall borrower risk score.

Senior Lien Review

Home Equity Lending risk solution to identify ineligible first position loan characteristics that would impact prospective second lien.

Military Status Verification

Convenient solution for verifying military status of the borrower - active, retired, or a survivor of military personnel - as defined by Servicemembers Civil Relief Act (SCRA).

NMLS is a registered trademark of the State Regulatory Registry LLC.
Equifax, The Work Number and Undisclosed Debt Monitoring are registered trademarks of Equifax Inc. Undisclosed Debt Monitoring is a trademark of Equifax Inc.

Learn More About Optional Modules

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