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Experian’s First-Party Fraud Scores have been named the Silver Medalist in Datos Insights’ 2025 Impact Awards for Best First-Party Fraud Innovation, announced on August 29, 2025. This recognition highlights Experian’s advanced machine-learning models that detect and prevent first-party fraud with unprecedented speed and accuracy, empowering lenders to assess borrower intent.
Experian wins Silver Medal in Datos Insights’ 2025 Impact Awards for Best First-Party Fraud Innovation on August 29, 2025.
First-Party Fraud Scores leverage machine learning, identity analytics, and cross-industry data to detect fraud in real time.
Suite includes Consumer First-Party Fraud Scores, Bust Out Score, and Commercial First-Party Fraud Scores.
Helps lenders identify intent to default, reducing costly losses.
Delivered via Experian Ascend Platform, integrating with Precise ID.
Recognized for cross-institutional visibility to combat coordinated fraud schemes.
Experian’s First-Party Fraud Scores earned the Silver Medal in Datos Insights’ 2025 Impact Awards for their ability to detect first-party fraud across account creation, credit applications, and transaction authorization. “The cross-industry visibility that Experian brings to first-party fraud detection represents a significant advantage,” said Jim Mortensen, Strategic Advisor at Datos Insights. The solution uses machine learning, combining credit and non-credit data with identity graph analytics to provide real-time, actionable insights.
Delivered through the Experian Ascend Platform, the suite includes:
Consumer First-Party Fraud Scores: Predicts early payment default risk using real-time identity data, credit bureau insights, and behavioral indicators.
Bust Out Score: Identifies coordinated “bust out” schemes where individuals accumulate debt across institutions before defaulting.
Commercial First-Party Fraud Scores: Extends fraud protection to small business and commercial lending with integrated consumer and business data.
“By identifying fraudulent intent both at the application stage and during account reviews, we equip lenders with the tools to stop high-risk accounts before they result in costly defaults,” said Kathleen Peters, Chief Innovation Officer at Experian. The solution’s cross-institutional visibility detects repeat and serial fraudsters, leveraging data inaccessible to individual lenders.
First-party fraud, where borrowers misrepresent intent to repay, contributes to an estimated $100 billion in annual losses in the U.S. alone. Experian’s solution addresses this by shifting focus from historical repayment to real-time intent analysis, integrating with tools like Precise ID for enhanced accuracy. With 60% of U.S. businesses reporting higher fraud losses in 2025, this award underscores Experian’s leadership in combating sophisticated fraud schemes.
Experian, a global data and technology company, operates across financial services, healthcare, automotive, and more, using advanced analytics to prevent fraud and empower businesses. Its solutions, including the Ascend Platform, helped clients avoid $19 billion in fraud losses globally in 2024.
Datos Insights, the leading research and advisory firm for banking, insurance, and securities, evaluates innovations based on competitive differentiation, business impact, and scalability. The 2025 Impact Awards recognize 22 organizations for transformative fraud and AML solutions.
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