Multi-Bureau Check Coverage

When running Identity Verifications via OnboardMe, a Multi-Bureau check will be completed for each client whose identity is being verified.

This check takes a subset of data and runs it against certain databases to see if the individual is returned (signs they are a real member of society).

Multi-Bureau checks are completed against the following datasets in these countries.

Australia: 

• The document verification service in Australia. The Document Verification Service (DVS) is a national online system that allows organizations to compare a customer's identifying information with a government record.

• The Australian Electoral Roll.

• Data from Sweepstakes, Coupons, and Surveys in Australia.

• A consumer database that contains transactional and response behavior information from consumers in Australia. It is a compiled database of over 100 sources and is regularly updated.

• A data universe built from many varied sources, including Government registers; Public records; Telco records; Postal records; Online survey responders; Marketing responders; Propietary sources; In-house data validation and cross-matching. All third-party sources are stringently vetted and data is reviewed on each supply. All third parties are required to conform to data validation standards and the Australian Privacy Act and the Australian Privacy Principles.

• Equifax's National Tenancy Database. The National Tenancy Database records tenant and rental information across Australia.

• Credit header data from one of the largest commercial credit bureaus in Australia.

• Credit header data from one of the largest consumer credit bureaus in Australia.

• Local credit bureau public records database in Australia.

• Historical Electoral Roll of Australia. This version of the electoral roll is historical and not the most recent roll.

• Public phone directory in Australia.

• Phone number directory owned and managed by one of the largest credit reporting agencies in Australia.

• A consumer marketing database and the Australia Postal File.

• Verification is processed against an aggregated database of Marketing Data sourced from publishers providing coupons, product samples and competitions to their members.

New Zealand:

• Data from Sweepstakes, Coupons, and Surveys in New Zealand.

• Credit header data from the New Zealand Equifax database.

South Africa:

• Consumer credit data managed by a local consumer credit bureau in South Africa.

• Data from the Department of Home Affairs in South Africa, which is the official government custodian of the identity and status of South African citizens and residents. It also covers green card holders.

• Data obtained from physical field audits and surveys in South Africa.

• Companies and Intellectual Property Commission (CIPC) of South Africa.

• Deeds Office of South Africa, which is responsible for the registration, management and maintenance of the property registry of South Africa.

• South Africa Social Security Agency (SASSA), is a national agency of the South African government responsible for administering South Africa's social security system.

• Data from cellular network and telecom providers in South Africa.

UK:

• Data from major mobile network operators, cross referenced to data from utility companies, credit bureaus, and consumer databases.

• The rolling electoral roll of the UK.

• The Royal Mail Postcode Address File (PAF).

• Consumer stated application information captured, aggregated and standardised from Loan Applications, Competition sites and Lifestyle subscriptions.

• Data from Sweepstakes, Coupons, and Surveys in the United Kingdom.

• Companies House records to verify if the individual is listed as a company Director.

• The United Kingdom Insolvency Service database. The Insolvency Service is a government agency that helps to deliver economic confidence by supporting those in financial distress, tackling financial wrongdoing and maximising returns to creditors.

• The Companies House Shareholder file. Companies House is the United Kingdom's registrar of companies and is an executive agency and trading fund of Her Majesty's Government.

• An aggregated register of notified consumer data sources. Sourced across Lifestyle, Marketing, and other sources.

• Credit header data from a credit bureau in the United Kingdom.

• Name - Date of Birth Registry with data from a credit bureau in the United Kingdom.

• Credit header data from a credit bureau's collective database of individuals who have active lines of credit in the UK.

• Credit Bureau data that verifies that the subject is known to and been verified by a lender.

• The official electoral roll of the United Kingdom.

• The Registry Trust in the United Kingdom. Registry Trust is the official registrar for the Register of Judgments, Orders and Fines, and is responsible for providing court judgment information to the Credit Reference Agencies.

• Property Ownership registers of Scotland.

• Phone Book data in the United Kingdom.

• A merged file from BT Osis and White pages data, with additional data from the UK Companies House, and consumer marketing lists.

• Data from the following major mobile network operators in the United Kingdom: Hutchison, Telefonica, EE, and Vodafone.

• Verification is processed against an aggregated database of Marketing Data sourced from publishers providing coupons, product samples and competitions to their members.