Overview
The TR CLEAR ID Confirm module verifies an individual or business by cross-referencing key attributes (such as name, SSN or Tax ID, date of birth, and address). This ensures accurate applicant verification and helps prevent identity fraud during the underwriting process.
What is CLEAR ID Confirm?
CLEAR ID Confirm is a real-time identity verification tool provided by Thomson Reuters. It validates an individual or business by comparing submitted information against trusted third-party data sources.
This service is designed to help lenders, compliance teams, and financial service providers:
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Verify applicant identity with confidence
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Detect inconsistencies or mismatches early
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Reduce the risk of fraud or misrepresentation
What Information Does It Verify?
CLEAR ID Confirm cross-references the following fields depending on the record type (individual or business):
|
Field |
Description |
|---|---|
|
First Name/ Business name |
Validates against known records for exact or close match |
|
Last Name |
Cross-matched for spelling and consistency |
|
Date of Birth |
Checked for consistency across official records |
|
Social Security Number / Tax ID |
Must match exactly; highest-weighted attribute |
|
Driver’s License Number |
Compared where available from credit or public headers |
|
Phone Number |
Matched against records from credit, bank, or utility data |
|
Address (Street, City, State, ZIP) |
Compared to historical address records |
Each field is scored and tagged with a match type to indicate the confidence level of the match.
How the Scoring Works
Each field is evaluated separately. Results include:
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Field Match Score (0–100)
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Match Type Icon:
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✅ Match – Strong or exact match
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⚠️ Partial Match – Slight differences (e.g., formatting or abbreviation)
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❌ No Match – No matching record or significant mismatch
-
-
Total Confidence Score – A weighted score (0–100) summarizing the overall identity match strength
Sample Score Breakdown
|
Field |
Score |
Match Type |
|---|---|---|
|
First/Business Name |
100.00 |
✅ Match |
|
Last Name |
100.00 |
✅ Match |
|
Tax ID/SSN |
100.00 |
✅ Match |
|
Date of Birth/Filing Date |
91.67 |
✅ Match |
|
Street Name |
69.41 |
⚠️ Partial Match |
|
Street Number |
76.39 |
✅ Match |
|
City |
72.09 |
✅ Match |
|
State |
100.00 |
✅ Match |
|
ZIP Code |
90.00 |
✅ Match |
|
Phone Number |
0.00 |
❌ No Match |
|
Total Score |
89.32 |
— |
ℹ️ A single "No Match" (e.g., phone) does not disqualify a record; it may reflect recent changes or alternate data.
Supplemental Identity Data
In addition to core field matches, CLEAR ID Confirm may return:
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Known Address History – Including past cities, ZIPs, states, and last confirmed dates
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Phone Numbers – Associated with the individual or business from different institutions
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Email Addresses – When available, matched through financial or subscription headers
This supplemental data is helpful for underwriting teams or when a deeper identity review is needed.
Interpreting Results Effectively
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A "No Match" on one field does not automatically signal fraud. Consider the overall pattern of matches.
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The Total Score provides an aggregated confidence indicator. Thresholds (e.g., 85+) can be defined by your internal risk team.
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Use both match types and field-level scores to drive decisions.
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We recommend reviewing the source-specific records to understand how each result was derived.
Where to Find It in Salesforce
Within Salesforce, CLEAR ID Confirm results are stored under a dedicated record (TR CLEAR ID Confirm).
You’ll find:
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A Details tab showing the overall score and key match fields
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A Related tab listing all contributing results from each source
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Field-by-field match scores and icons
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Drill-down views into each result record for transparency