Clients may choose between two different access tiers. The historical fraud access tier allows sharing only flagged and charged off records. The real-time updates access tier allows sharing all records during the lifecycle from pending to final status.

Historical fraud

Real-time updates

Choosing the right access tier

The real-time updates access tier provides detailed status updates and a complete history. It provides a way to prevent coordinated fraud and unwanted stacking. It also provides a positive signal for matches and status updates on benign records.

The historical fraud access tier is limited in scope. It allows clients to keep all submitted, rejected for standard reasons, funded, and paid in full records completely private. It also requires less effort for technical integration.

It is perfectly fine to start with one access tier and decide to switch later on.