While marketers typically spend vast amounts of money to increase customer acquisitions, fraud prevention can undercut those efforts. According to a recent 41st Parameter® study, average card-not-present declines represent 15 percent of all transactions; however, one to three percent of those declined transactions turn out to be false positives, equating to 1.2 billion dollars in lost revenue annually. Marketers can avoid unnecessary declines and create a seamless customer experience by communicating campaign plans to the fraud-risk team early on and coordinating marketing and fraud-prevention efforts. Download Experian’s latest fraud prevention report. Report: Holiday Marketing & Fraud

Identity verification techniques have been evolving over the past few years to meet business priorities beyond fraud prevention

According to research from VantageScore® Solutions LLC, 30 to 35 million people are not scored by the most popular credit-scoring models. When measured by more modern scoring methodologies — methods that leverage the data that exists in a person's credit file better — as many as 10 million of these unscoreable consumers were found to have prime or near prime credit scores. The study reinforces the importance of using advanced credit scores in order to profitably grow portfolios while providing consumers with access to fair and equitable credit. Credit Scoring Gaps Are Leaving Millions of Consumers Behind VantageScore® is a registered trademark of VantageScore Solutions, LLC.