The Database Address Match

The Experian address match takes the client's name and date of birth, and checks the Experian database for matches of these details against the residential address provided in the app.  Two or more high-quality independent data sources must be found by Experian in order to fully pass this section. 

Address Match Flags

A flag on the address match is not necessarily an outright indicator of risk. It may simply mean that a client’s accounts are still registered to a previous address, or are in their partner’s name. As with any flag on a Thirdfort report, the results are for you to review and make a decision as to whether further due diligence is required before proceeding. 

Address Match

This section will pass if we have located two or more references to this client living at the address provided in the app on the Experian database. 

A flag here means that fewer than two sources have been located. 

Address Match Quality Score

This section will pass if the match(es) found are deemed to be of a high quality by Experian. They have their own rating system to determine the quality of a match - high-quality matches are those least likely to be fraudulent, such as bank or mortgage accounts.

This section can pass even when the address match flags - this means that the one match found was of a high quality. 

A flag here means that the quality of the match(es) found is not deemed high enough to fully verify this client's address. 

Further information flags

Experian searches a wide variety of databases to run the address search. As part of this, they check a variety of sources for further indicators of risk. 

Any high-risk indicators found during the address match search will be presented under the Further Information heading below the address match result. More information on this can be found on our corresponding article here.