
Commercial First Party Fraud Score
Minimize risk of your portfolio by limiting credit exposure for potential fraudulent applications.
Explore the growing threat of commercial first party fraud, and learn how Experian helps you detect commercial fraud using identity verification, behavioral analytics and ongoing monitoring tools.
Tap into Experian’s 250M+ consumer files and 28M+ business records to reliably predict applicant intent.
Experian’s unparalleled data access and proprietary fraud attributes offer a blended view into applications for better decisioning.
Substitute labor-intensive onboarding processes for automated decisions by leveraging an actionable score.
Experian’s Commercial First Party Fraud Score is generated using machine-learned models that combine consumer and commercial credit data. It draws from Experian’s extensive data assets — over 250 million consumer files and 28 million business records — to assess the likelihood of first payment default, credit abuse, and fraudulent intent.
This score is designed to detect and prevent first-party fraud, including:
Any business that extends credit to other businesses — such as commercial lenders, trade credit providers, B2B service providers, and financial institutions — can benefit. It’s especially valuable for organizations looking to streamline onboarding, reduce fraud losses, and improve risk decisioning.
The score is part of Experian’s Sentinel™ Commercial Entity Fraud Suite and is calculated using advanced machine learning models that assess both intent and ability to pay.
It is delivered through multiple flexible channels:
Traditional credit checks focus on creditworthiness. Experian’s fraud score goes further by:
Contact an Experian representative to schedule a consultation with our fraud solution experts. They’ll help you explore integration options, evaluate your current fraud risk strategy, and determine how the Commercial First Party Fraud Score can best support your business goals.