When ID Insight started offering products in 2003 to combat takeover of an existing account as well as fraud tied to opening a new account in the name of an unsuspecting existing cardholder, a hot fraud trend was criminals trying to change the address of a cardholder they were targeting so that credit card statements with fraudulent transactions would not be discovered for a few months. ID Insight developed a predictive model built with change-of-address requests received by banks and credit unions. Every night ID Insight analyzed those requests and created a score on the likelihood that the r...