FraudGuard® Optional Modules

Optional modules can be added to customize FraudGuard, powered by interthinx® analytics, to better suit your institution’s preferences for application reviews. Enjoy greater speed and efficiency, compliance with regulations and increased loan quality.

Optional Modules

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.

4506-T Integration

Provides the ability to place 4506-T orders directly through FraudGuard.

Undisclosed Debt Monitoring®, powered by Equifax

Monitors the borrower's activity to identify if new debts or liabilities are incurred during the “quiet period” to evaluate if the borrower has the propensity and capacity to repay the loan. The integration of Equifax Undisclosed Debt Monitoring™ (UDM) within FraudGuard constantly monitors borrower activity and provides alerts with customized notifications. The analysis of the UDM alerts is included in the overall borrower risk score for FraudGuard.

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

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

Income Assessment

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


Searches the 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.

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.

Risk Profiler

Leveraging public and local market data, this interactive, automated tool analyzes and independently scores an appraisal or BPO to assess probable valuation risk. It uses an automated valuation model (AVM), neighborhood trends, local market analysis and other collateral metrics. Multiple components of a valuation report are analyzed to generate an independent estimate of value and develop a profile of the subject property along with ranking the proposed transaction and rating the competitive market area.

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