Consumer lending · Loans · Credit

Stop loan fraud before it reaches underwriting

A SIM swap 24 hours before a loan application is one of the strongest fraud signals available. TDS Risk surfaces it in under 2 seconds — before a single credit search is triggered, before your underwriting engine runs, and before any cost is incurred.

✓Sits upstream of your credit bureau check — filters fraud before it creates footprints

✓Catches SIM swap fraud, synthetic identity, and VOIP-based submissions instantly

✓Does not affect credit files — clean separation from your credit process

✓Returns reason codes your risk engine can use as additional decision features

✓Signed audit trail on every check — FCA and FOS audit-ready by default

<2s

Per check

UK carriers

<1hr

To go live

£0.35

Flat rate

Trust Score — Live Live signal

820 / 1000

riskLevel

4 — 720h+

lineType

mobile

phoneRisk

false

carrier

Upstream Impact Pays for itself

Upstream Checks Run

90,000

Bad Submissions Blocked

19,800 / month

Downstream Cost Avoided

£138,600

Net Monthly Impact

+£107,100

Example Trust Score response 200 OK

{ "trustScore": 820, // 0–1000. Higher = more trusted "riskLevel": 4, // 4 = no SIM swap in 720+ hours ✓ "simTimestamp": "2023-05-22T03:48Z", // Last SIM event "indicators": ["OL"], // OL = ownership >45 days ✓ "carrier": "EE", // Mobile network "lineType": "mobile", // Not VoIP, not landline ✓ "phoneRisk": false, // Not on shared fraud lists ✓ "callInSession": false, // Not call in session ✓ "countryCode": "GB" }

The problem

What fraud costs your business today

🔁

SIM swap fraud

A criminal swaps a victim's SIM, intercepts OTPs, and applies for credit in their name. The account passes verification. The lender absorbs the loss.

🤖

Synthetic identity applications

Fabricated identities — combining real and fake data — pass document checks and credit searches. They're invisible until default.

📉

Credit searches on bad submissions

Every application that reaches your credit bureau check costs money and leaves a footprint — even when the submission is fraudulent and should never have got that far.

⏱️

Underwriting cost on fraud

Manual and automated underwriting triggered by fraudulent submissions wastes time, money, and capacity that should be spent on genuine customers.

We were catching SIM swap fraud after the credit search had already run and the underwriting had started. TDS Risk moved that catch to step one. The saving on downstream costs was immediate.

Head of FraudConsumer lending platform, UK

⬆ Upstream check

TDS Risk sits before your credit bureau check. Every fraudulent application caught upstream means one fewer credit search, one fewer underwriting run, and one fewer potential loss — at a cost of £0.35 per check, before any other cost is incurred.

£0.35

Trust Score / check

<2s

Response time

Where TDS Risk sits

Upstream. Before the costs hit.

TDS Risk doesn't replace anything in your stack. It sits before it — catching bad submissions before they trigger the processes that cost you money.

← You are here

📡

TDS Risk check

Trust Score + SIM swap detection. Catches fraud before any cost hits.

£0.35

→

Step 2

📊

Credit bureau check

Hard or soft search. Leaves footprint. Costs per search.

£0.50–£2.00

→

Step 3

🔍

Fraud bureau check

CIFAS, National Hunter. Per-check cost.

£0.50–£2.00

→

Step 4

📋

Underwriting

Manual or automated. High cost per submission.

£5–£25

→

Step 5

❌

Fraud discovered

Chargeback, write-off, regulatory risk.

£500+

The maths is simple: if your combined downstream cost per fraudulent submission exceeds £0.35, and TDS Risk catches even a fraction of those submissions, the upstream check pays for itself — while protecting every system downstream.

8–15%

Typical fraud rate in consumer lending applications

£6–£25

Average downstream cost per fraudulent submission reaching underwriting

~85%

Typical fraud catch rate with carrier-derived signals

£0.35

Cost of a TDS Risk check — before any downstream cost is triggered

Signal depth

The carrier signals that matter most for consumer lending

These are the fields your risk logic should act on for this use case. Every response includes all of these — plus the full reason code set.

riskLevel

integer -1 to 4

SIM swap age with precision timing. riskLevel 1 = SIM swapped in last 24 hours. Highest-signal field for loan fraud.

simTimestamp

string

Exact timestamp of most recent SIM swap. Cross-reference with application timestamp for fraud pattern detection.

trustScore

integer 0–1000

Composite carrier-derived score. Use as a gate or as an additional feature in your underwriting model.

lineType

string

Instantly reject Non-Fixed VoIP and prepaid lines before the application goes further.

phoneRisk

boolean

True if number appears on shared fraud lists. Block immediately.

isLostStolen

boolean (KYC)

Handset reported lost or stolen — critical flag for account takeover attempts at point of application.

Reason codes to watch

These reason codes appear most frequently in consumer lending fraud patterns. Build your decision logic around them.

DVHigh device change velocity — strong account takeover indicator

S1Synthetic identity — multiple unique SSNs detected

S2Synthetic identity — multiple DOB records

S4Synthetic identity — SSN issued before DOB

LPDevice or SIM change within 90 days

RLHigh-risk line type — Non-Fixed VoIP or Prepaid

OLOwnership tenure >45 days — stable signal

OOVerified ownership, 5+ years — very low risk

Stop SIM swap fraud at the front door.

Add a 2-second carrier check before your credit process. No integration risk. Nothing downstream changes. You just stop more fraud before it costs you.

£0.35 per check · Credits never expire · Does not affect credit files · ICO Reg. ZB300553

Stop loan fraud before it reaches underwriting

What fraud costs your business today

Upstream. Before the costs hit.

The carrier signals that matter most for consumer lending

Stop SIM swap fraud at the front door.

Cookie preferences