Comprehensive Debit Report

The Comprehensive Debit Report captures debit-related data that complements the DataX Credit Report with wide-ranging historical debit information, creating a thorough consumer financial record. By leveraging across the consumer life-cycle, it taps into a wealth of consumer information, yielding the most expansive and up-to-date information available.

The Debit Report Advantage

Delivering 78 data aggregates in real-time via an XML feed, the report includes:

  • All account inquiries: Records of new account inquiries made by financial institutions on a consumer who has tried to open a DDA (Demand Deposit Account) at the new account desk.

  • Account closures:  Account abuse by a consumer that results in his or her account being forcibly closed by the financial institution.

  • Check printing orders:  Consumer check printing information such as number of check orders, number of different accounts, days since most recent order and quantity of checks ordered.

  • Non-sufficient funds (NSF) returned items: Retail check writing history on NSF items, after two presentments. Subsequent payment detail is also captured.

Debit Report Score

Included with the Comprehensive Debit Report is the Debit Report Score, designed to predict the likelihood that an account will be “closed for cause” in the next 12 months. With a score range of 100 – 899, 899 (a higher score means less risk to your organization), and up to four Score Reason Codes with explanations, the Debit Report Score exponentially increases the confidence with which organizations can lend.
Capture a Three Dimensional Picture of Every Consumer

  • Distinguish the degree of risk for each account with debit attributes

  • Measure time since most recent closure, number of historic closures, and fraudulent activity

  • Get access to 300 million consumer records, updated in real time, and delivered instantly via XML stream, in 78 data aggregates across 4 categories

  • Leverage predictive up-to-date data, including recent account activity and frequency of inquiries

  • See check printing information for individuals at their current address

  • Get NSF check data as reported by retailers

With the DataX Comprehensive Debit Report, businesses gain crucial intelligence into the behavior of consumers applying for nonprime loans. By using this tool in conjunction with DataX’s suite of services, businesses are better equipped to make informed lending decisions, optimize business performance, and lower acquisition costs—while increasing their overall consumer base to boost profitability.

For more information please contact us.


Press Releases

DataX Unveils New Advanced Solutions for Mitigating Risk and Lead Fraud

Enhancing Company’s Robust Suite of Services for the Specialty Consumer Finance Industry

LAS VEGAS, NV – April 22, 2013 – Today, DataX [], the industry-leading real-time credit reporting agency and data verification provider, begins offering clients an advanced feature for assessing risk and preventing lead fraud. By adding FraudScan2.0 to its robust suite of services, DataX, a Selling Source LLC company, now increases a lender’s ability to make the most knowledgeable decisions possible when purchasing leads or making loans in the specialty finance market.


By analyzing disparities between IP addresses, time zones and geolocation, in conjunction with user behavior and fraudster behavior, FraudScan2.0 uses a two-part advanced technology system to isolate fraudulent activity before additional verification is required and unnecessary costs are accumulated – resulting in larger profits for lenders.


“Our partnership with Fraudlogix , and iovation Inc., further advances our capabilities to protect lenders and consumers from fraud,” said Jessica Tillman, Executive Vice President, Operations for DataX, Ltd.  “We are excited to offer this advanced fraud solution and partner with some of the most innovative players in the market.”


According to Fraudlogix’s Founder, Hagai Shechter, “Addressing a problem of this scope requires tools that can keep pace with the growing sophistication of fraudulent affiliate activity.”  He adds, “We’re able to detect hacker footprints with greater regularity – even as they continue to update their strategies”.


About Fraudlogix

With offices in the U.S. and Israel, Fraudlogix is a privately held company that uses proprietary algorithms, internal database cross-checks, and world-class data infrastructure to detect affiliate fraud attempts overlooked by traditional data verification and IP-based systems.  For more information, visit


About DataX Ltd.
DataX, Ltd., a Selling Source, LLC company, specializes in developing industry-leading risk management services.  With the most advanced Credit Reporting bureau in the market, DataX offers its clients a uniquely sophisticated, cost effective approach to fraud prevention and risk management. For more information, visit


About Selling Source, LLC
Selling Source, one of the largest privately-held digital marketing companies in the United States, provides customer acquisition and data services. The company operates proprietary, scalable technology platforms to cost effectively deliver a substantial volume of precisely targeted, real-time sales leads while maximizing return on investment for advertisers and publishers. Continually expanding its broad online reach via an array of diverse branded web properties, as well as through external partner relationships, the company attracted over 550 million visitors to its branded web properties in 2010. Selling Source has a strong, varied client base and specializes in two key verticals: Consumer Specialty Finance and Performance-based Marketing.


London Bay Capital, a private equity firm based in San Francisco, acquired a controlling interest in Selling Source in December 2007. For more information, please visit


October 14-17, 2014
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November 2-6, 2014
Aria, Las Vegas

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