Commercial First Party Fraud Score
Minimize risk of your portfolio by limiting credit exposure for potential fraudulent applications.
Experian’s Commercial First Party Fraud Score is a machine-learned model and uses blended consumer + commercial attributes to deliver an actionable score that reliably predicts the likelihood of first payment default and credit abuse in commercial applications.
See How Experian’s Commercial Fraud Score Works
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.
Identify potential credit abuse right at account opening
- Assess applicant intent and credit worthiness.
- Prevent credit bust out, credit abuse, and first payment default scenarios.
- Streamline account openings and customer onboarding with different treatment strategies for high and low-risk accounts.
- Accurately assign fraud losses that would normally be written off or misclassified as credit losses.
Predict Credit Abuse
Tap into Experian’s 250M+ consumer files and 28M+ business records to reliably predict applicant intent.
Reduce Decisioning Risk
Experian’s unparalleled data access and proprietary fraud attributes offer a blended view into applications for better decisioning.
Reduce Cost and Manual Effort
Substitute labor-intensive onboarding processes for automated decisions by leveraging an actionable score.
Learn more about how Experian’s Commercial First Party Fraud Score can reduce your business’s decisioning risk.
Frequently Asked Questions
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:
- Never-pay fraud (intentional non-payment)
- First payment default
- Credit bust-out schemes
- Credit abuse, where businesses overextend and default intentionally
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:
- API – for real-time integration into your systems
- API with decisioning – includes built-in decision logic for automated workflows
- Batch processing – ideal for evaluating large volumes of applications
- Web-based interface – for manual lookups and smaller-scale use
Traditional credit checks focus on creditworthiness. Experian’s fraud score goes further by:
- Predicting fraudulent intent, not just ability to pay
- Helping reclassify losses that might otherwise be misidentified as credit risk
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.