GBG Identity Score
Electronic identity verification that meets UK 2+2 requirements. Cross-reference applicant data against multiple independent UK data sources to produce a confidence score for KYC/AML compliance and customer onboarding.
What is GBG Identity Score?
GBG Identity Score is a real-time electronic identity verification check that meets FCA 2+2 requirements. It cross-references an applicant's name, date of birth and address against multiple independent data sources — electoral roll, credit header, mortality register, NCOA and more — returning a score from 0 to 1,000 with a clear pass, refer or fail signal.
Credit Canary handles the full integration so you get a single API call with sub-100 ms response times. Every check includes the overall identity score, individual source-level match detail, mortality and NCOA flags, and optional mobile and email verification — giving you everything you need for compliant onboarding without managing multiple suppliers.
How It Works
Multi-Source Verification
Cross-references personal details against electoral roll, credit headers, mortality registers, and more.
FCA 2+2 Compliant
Confirms at least 2 pieces of personal information from at least 2 independent sources for regulatory compliance.
Real-Time Results
Instant confidence scores and identity match results for immediate decisioning without manual review.
Data Points Checked
Identity Score verifies applicants across multiple independent data sources to confirm identity with confidence.
Electoral Roll
Verification against UK electoral register for address and name confirmation.
Credit Header
Cross-check against credit file headers for identity and credit history validation.
Mortality Register
Confirm applicant is not on the deceased persons register.
NCOA (Address Change)
National Change of Address database check to verify current residential location.
Address Verification
Multi-source address matching and validation across available databases.
Date of Birth Matching
Verification of applicant DOB across multiple independent data sources.
Simple, transparent pricing
No hidden fees. Volume discounts available.
Built for lending teams
Not just another data pipe. Credit Canary gives you the tools to act on the data, not just receive it.
API-First Integration
Clean, RESTful APIs with structured JSON responses. Integrate once and access Identity Score alongside all Credit Canary products through a single endpoint. Full documentation and sandbox environment included.
Decisioning Ready
Feed responses directly into Credit Canary's decisioning engine. Build rules, scorecards and automated workflows that act on identity data in real time — no manual processing needed.
Console Access
Run individual searches through the Credit Canary Console and view formatted summaries. Perfect for manual underwriting, compliance review, or when your team needs to pull a quick report.
FCA 2+2 compliance — built in
GBG Identity Score automatically meets FCA 2+2 requirements by cross-referencing applicant data against multiple independent sources. Every check returns full match detail so you can evidence compliance without additional manual verification steps.
Identity Score FAQ
Developer First
Everything you need to verify identities via a single API call in real-time.
Ready to verify identities?
Get started with Identity Score today. Our team will help you integrate in minutes.
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