Report
Published October 6, 2025
Fraud Management
First-party fraud is notoriously difficult to separate from credit risk — but first-payment default (FPD) can be the key to earlier, more accurate fraud detection.
Key insights:
- What makes first-party fraud and credit risk so difficult to separate (and so costly to misclassify).
- Why FPD is the strongest, most reliable indicator of first-party fraud.
- Actionable takeaways for businesses to combat first-party fraud.
Complete the form to access the report
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Thank you for your interest
Your free Experian resource is now available. Enjoy!
Webinar
Convergence of consumer and commercial fraud prevention
In this webinar, Experian experts explore how organizations can apply proven consumer fraud prevention tactics to strengthen commercial lending defenses.
What you'll learn:
- How consumer fraud strategies can be adapted for commercial use cases
- Where commercial lending is most exposed and how to mitigate risk
- How shared signals across identity, behavior and devices can improve detection
Webinar
Uncovering and preventing large scale ATO and scams
Innovations in post-login fraud have exposed gaps in login defenses. How are leading businesses responding? Experts from TD Bank and Experian take a look at modern ATO attacks and scams — and how to stop them.
What you’ll learn:
- How fraudsters exploit vulnerabilities in login defenses
- The operating structure of a real-world ATO fraud ring
- Keys to stopping coordinated attacks in real time
Tip Sheet
Closing the gaps: fraud prevention across the customer lifecycle
This tip sheet explores where fraud can enter the customer lifecycle and how predictive fraud risk scores help distinguish fraud from true credit risk and help you:
- Reduce first-payment default and bust-out fraud
- Detect synthetic identities earlier
- Improve prescreen and campaign ROI
- Strengthen account management decisions
eBook
Protecting your digital house: A multilayered fraud strategy
Learn how a multilayered fraud strategy can help organizations protect every digital entry point and stop fraud earlier in the journey.
Key insights:
- Learn how behavioral analytics, identity verification and risk signals can stop fraud early.
- Explore how device, network, phone and email intelligence can strengthen defenses.
- See how step-up verification can help block high-risk actions and prevent fraud losses.