Identity Exchange

What if you could expand your business while reducing fraud exposure?

    Drive fraudsters away

    Proactively reduce fraud losses using real-time predictive models to assess identity risk. 

    Drive better experiences

    Enable quicker onboarding of legitimate customers with identity risk ranking.

    Drive stronger growth

    Boost acquisitions of new-to-credit consumers, including newcomers to Canada.



    Assess risk with an identity score

    Data-driven analytics produce a score that reflects the level of identity risk accompanied by a reason code for insight on the fraud type.


    Diverse data elements

    • Consumer credit bureau data (~31 million Canadians)
    • Inquiry logs
    • Application fraud data
    • Consortium fraud data

    Our comprehensive data assets are combined with product application data shared by Identity Exchange subscribers.

    Identity score and reason codes

    • Identity score of 1 (low risk) to 999 (high risk)

    Identity Exchange produces an identity score that signifies the level of risk. Reason codes will be available soon to provide additional insight.

    Multifaceted modelling and predictive analytics

    Identity Exchange proactively assesses multiple aspects of an identity, analyzing against millions of data points, such as credit bureau data as well as the unique behaviours of an individual.


    Identity Exchange considers activity that is uncharacteristic for an individual (e.g., applying for 10 credit cards in 48 hours) to help you drive better decisions for your business.


    Identities are verified using advanced analytics; each model quantifies an aspect of fraudulent activity or trustworthiness. When combined, they help capture fraud and reduce false positives:


    • Over 360 fraud-specific attributes
    • Predictive real-time analytics
    • Ensemble models* and reason codes
    *Patent pending




    Innovation to Help Lenders with New-to-Canada Credit Applications with TruValidate Identity Exchange

    If you’re a consumer with questions or issues related to your personal credit report, disputes, fraud, identity theft or credit monitoring services, please visit our

    Disclaimer: Please note that consumer responses submitted through this form will not be actioned.

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