TDS Risk
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Consumer lending · Personal loans · Credit

Detect loan application fraud risk before KYC and credit checks

Add carrier-derived mobile intelligence to loan fraud detection before KYC, credit searches, fraud-bureau checks or underwriting. TDS Risk helps lenders identify risk signals in personal-loan and consumer-credit applications without affecting the applicant’s credit file.

✓Check mobile-number risk before loan application costs begin
✓Identify recent SIM activity and higher-risk line types
✓Add an explainable 0–1000 Trust Score to loan fraud rules
✓Use detailed reason codes for review and step-up verification
✓Keep a signed, auditable record of every check
<2s
Per check
4
UK carriers
<10m
To go live
£0.35
Flat rate
Trust Score — Live Live signal
820 / 1000
riskLevel
4 — 720h+
lineType
mobile
phoneRisk
false
carrier
EE
Upstream Impact Pays for itself
Upstream Checks Run
90,000
Bad Submissions Blocked
19,800 / month
Downstream Cost Avoided
£138,600
Net Monthly Impact
+£107,100
Example Trust Score response 200 OK
{ "trustScore": 820, // 0–1000. Higher = more trusted "riskLevel": 4, // 4 = no SIM swap in 720+ hours ✓ "simTimestamp": "2023-05-22T03:48Z", // Last SIM event "indicators": ["PT"], // PT = ported · info "carrier": "EE", // Mobile network "lineType": "mobile", // Not VoIP, not landline ✓ "phoneRisk": false, // Not on shared fraud lists ✓ "callDivert": false, // Call forwarding signal ✓ "countryCode": "GB" }
The problem

Mobile risk signals in fraudulent loan applications

🔁

Identity fraud in loan applications

Application data may be genuine, stolen or altered. Carrier-derived information adds context about the mobile number being used with that identity.
🤖

SIM swap and account-takeover signals

A recent SIM change can be relevant where the number is used for OTPs, account recovery or communication during an application. It is a signal to assess, not proof of fraud.
📉

VoIP, inactive and non-mobile numbers

VoIP, non-mobile and inactive numbers may not fit a lender’s intended application journey and can be handled through its own rules.
⏱️

Fraud checks on unsuitable applications

If mobile risk is assessed only after KYC, credit searches or underwriting begin, the lender may already have incurred downstream costs.
"

Mobile risk should inform a lending decision, never make it. The lender remains in control of every threshold and outcome.

TDS Risk principle
⬆ Upstream check

TDS Risk sits before KYC, credit searches and underwriting in the loan application journey. It gives lenders an additional carrier-derived evidence layer while leaving affordability, creditworthiness and the final decision to their existing systems.

£0.35
Trust Score / check
<2s
Response time
Where TDS Risk sits

Step 0. Before the credit process.

TDS Risk does not replace KYC, credit-reference data, fraud databases or underwriting. It provides mobile-number signals before those processes begin.

← You are here
📡
TDS Risk check
Trust Score + SIM swap detection. Catches fraud before any cost hits.
£0.35
→
Step 2
📊
Credit bureau check
Hard or soft search. Leaves footprint. Costs per search.
£0.50–£2.00
→
Step 3
🔍
Fraud bureau check
CIFAS, National Hunter. Per-check cost.
£0.50–£2.00
→
Step 4
📋
Underwriting
Manual or automated. High cost per submission.
£5–£25
→
Step 5
❌
Fraud discovered
Chargeback, write-off, regulatory risk.
£500+
The maths is simple: if your combined downstream cost per fraudulent submission exceeds £0.35, and TDS Risk catches even a fraction of those submissions, the upstream check pays for itself — while protecting every system downstream.
8–15%
Typical fraud rate in consumer lending applications
£6–£25
Average downstream cost per fraudulent submission reaching underwriting
~85%
Typical fraud catch rate with carrier-derived signals
£0.35
Cost of a TDS Risk check — before any downstream cost is triggered
Signal depth

Carrier signals that matter for consumer lending

Reason codes to watch

riskLevel

integer -1 to 4
Provides the available SIM-change recency band, from a recent change to no change in the longest supported period.

simTimestamp

string
Returns the available timestamp for the most recent SIM change so it can be compared with the application time.

trustScore

integer 0–1000
A composite carrier-derived score for use as one feature within the lender’s own fraud and application rules.

lineType

string
Shows whether the number is mobile, landline, VoIP or another supported classification.

phoneRisk

boolean
Indicates whether the number appears on supported public shared-phone sources.

callDivert

boolean
Shows whether call forwarding is active, providing another signal for the lender to assess in context.
LSLow-tenure SIM; SIM change within 90 days
RLHigh-risk line type or related routing signal
PNPhone number was not active
CFCall forwarding was enabled
NMNumber was not a mobile line type
D1Number appeared on a public site exposing SMS content
PTNumber had been ported
WSSIM timestamp was not factored into the Trust Score

Add mobile risk to loan fraud detection

Use the TDS Risk mobile risk API before KYC, credit searches and underwriting. Apply Trust Score, SIM activity, line type and reason codes within your own loan-fraud and lending policies.

£0.35 per Trust Score check · Credits never expire · Does not affect credit files · ICO Reg. ZB300553