Fraud Protection Network

What Fraud Protection Network does

Fraud Protection Network, Inc. (FPN) is a privately held B2B data intelligence provider founded in 2012 and headquartered in Aventura, Florida, serving the U.S. lending industry. The company aggregates consumer credit data from the three major U.S. bureaus — Experian, TransUnion, and Equifax — and packages it into four modular products: PreQual (soft-inquiry tri-bureau loan prequalification), Prescreen (marketing prescreening with trigger alerts), Account Review (portfolio monitoring and retention), and CoreID (digital identity verification with biometric document authentication). All solutions are FCRA-compliant and delivered either as embeddable iframes or via API integration into clients' loan-origination and portfolio-management systems.

FPN sells exclusively to enterprise and mid-market financial institutions — lenders, FDIC-insured banks, mortgage brokers, and credit unions — through a direct field-sales motion with custom, quote-based annual contracts. In early 2022 the company divested its direct-to-consumer business (including the Resident-Link brand) to IDIQ to refocus exclusively on B2B. The company has 51–100 employees, achieved 299% revenue growth over the trailing three years (Inc. 5000 No. 1880 in 2023), and raised approximately $8.3M in exempt securities offerings between March 2024 and April 2026 to support continued product development, including the July 2024 launch of the CoreID identity-verification platform.

Name

Fraud Protection Network

Legal name

Fraud Protection Network, Inc.

Website

https://fraudprotectionnetwork.com/

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

51–100 employees

Short description

Fraud Protection Network is a B2B data intelligence provider offering tri-bureau credit data solutions — PreQual, Prescreen, Account Review, and CoreID — to U.S. lenders, FDIC banks, mortgage brokers, and credit unions via API and iframe integrations.

Ownership category

akta.pro rank

Product category

Lending Technology / Credit Data Analytics

NAICS

Credit Bureaus (561450), Mortgage and Nonmortgage Loan Brokers (52231), Other Activities Related to Credit Intermediation (522390), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Loan Brokers (6163), Finance Services (6199)

akta.pro primary industry

Lending & Credit Disbursements (FSAMAKAH)

akta.pro secondary industries

Payments Fraud & Chargeback Prevention (HDADALAE), Risk Scoring, Decisioning & Orchestration (FSAMALAB), Identity, Fraud & Insurance-Specific RegTech Platforms (FSAGAGAJ)

Keywords

• Credit data analytics
• Loan prequalification software
• Identity verification platform
• Tri-bureau credit solutions
• Fraud prevention services

Headquarters

HQ city

Hallandale

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. B2B Data Intelligence Solutions: FPN provides customizable data solutions to lenders, banks, brokers, and credit unions. Solutions are offered as standalone products or combined packages, likely through subscription or usage-based contracts. Pricing is customized per client.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels5 records

Core offering

Fraud Protection Network (FPN) provides data intelligence solutions for the U.S. lending industry, integrating tri-bureau credit data from Experian, TransUnion, and Equifax into a modular platform of four products: PreQual (soft-inquiry loan prequalification), Prescreen (marketing prescreening), Account Review (portfolio management), and CoreID (digital identity verification). Solutions are delivered as customizable API or iframe integrations embedded directly into lenders', banks', brokers', and credit unions' existing systems, supporting the full customer lifecycle from acquisition through retention and fraud mitigation.

Product overview

FPN is a data intelligence solutions provider offering a modular platform with four distinct products: PreQual (loan prequalification), Prescreen (marketing prescreening), Account Review (portfolio management), and CoreID (identity verification/fraud protection). The products share a common data infrastructure connecting to the three major credit bureaus (Experian, TransUnion, Equifax) and can function as standalone offerings or be combined into an integrated suite. PreQual and Prescreen serve the customer acquisition phase, Account Review supports retention, and CoreID addresses fraud prevention across the entire customer lifecycle.

Differentiator

Problem solved

Functional benefit

Brands

• PreQual: Tri-bureau loan prequalification solution providing soft-inquiry credit data from Experian, TransUnion, and Equifax without impacting consumer credit scores.
• Prescreen
• Account Review
• CoreID
• Resident-Link

Products and services

• PreQual FCRA-compliant, soft-inquiry loan prequalification solution that delivers full credit files, FICO scores, and VantageScores from all three major U.S. credit bureaus without affecting applicants' credit. Built for lenders, banks, mortgage brokers, and credit unions that need to capture more leads and respond quickly to qualified prospects.
• Prescreen

Quantifiable outcome

• 299% revenue growth over three years, ranking FPN No. 1880 on the Inc. 5000 list of fastest-growing private companies in America (2023)
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and major.

• ExperiancoreTechnology or Integration · 1 January 2022Experian is one of the three major U.S. credit bureaus and serves as a core data partner for FPN's tri-bureau data solutions. FPN's PreQual, Prescreen, and Account Review solutions pull credit data from Experian in combination with TransUnion and Equifax, providing lenders with comprehensive consumer credit information.
• TransUnioncoreTechnology or Integration · 1 January 2022TransUnion is one of the three major U.S. credit bureaus providing credit data for FPN's data intelligence solutions. FPN integrates TransUnion data into its PreQual, Prescreen, and Account Review platforms, enabling lenders to access full credit files, FICO scores, and VantageScores.
• EquifaxcoreTechnology or Integration · 1 January 2022Equifax is one of the three major U.S. credit bureaus and a key data partner for FPN's tri-bureau solutions. FPN leverages Equifax credit data across its suite of lending industry solutions including PreQual, Prescreen, and Account Review.
• IDIQmajorStrategic or Co-development Partner · 1 January 2022In early 2022, FPN sold its direct-to-consumer business channel, including the Resident-Link product, to IDIQ, one of the fastest-growing industry leaders in identity theft protection and credit report monitoring. This was a strategic divestiture that allowed FPN to focus on its B2B data intelligence solutions for the lending industry.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• TransUnion: Second of FPN's three bureau partners; offers its own prequalification, prescreen, and risk analytics products directly to lenders, making it both a supplier and a direct competitor in FPN's core market.
• Experian: One of the three major U.S. credit bureaus and a core data partner to FPN; also operates broad credit marketing, identity, and analytics suites that overlap with FPN's PreQual, Prescreen, and Account Review offerings, particularly for enterprise lenders.
• Equifax: Third major credit bureau feeding FPN's tri-bureau platform; Equifax's data, analytics, and identity services compete with FPN at the enterprise tier for lender prescreen and portfolio management use cases.
• FICO: Owns the FICO score used inside FPN's prequalification outputs and offers enterprise analytics, fraud, and decisioning products to lenders that overlap with FPN's risk scoring and account review use cases.
• LexisNexis Risk Solutions: Provides credit, fraud, identity verification, and portfolio analytics to lenders and financial institutions; overlaps with FPN's CoreID, Account Review, and prequalification offerings for mid-market and enterprise clients.

Direct peers

• Clarity Services: Sub-prime and alternative credit data provider to lenders; competes with FPN's prescreen and tri-bureau prequalification offerings in the non-prime consumer lending segment.
• MeridianLink: Provider of loan origination and digital lending platforms to banks, credit unions, and mortgage lenders; competes most directly with FPN's PreQual and prescreen solutions through its decisioning and consumer-engagement modules.
• MicroBilt: Alternative credit data and identity verification provider serving lenders and fintechs; directly overlaps with FPN's Prescreen and CoreID offerings, particularly for non-prime and small-business credit use cases.

Emerging players

• Plaid: Data connectivity and verification platform increasingly used by lenders for income, asset, and identity verification; adjacent competitor to FPN's CoreID identity authentication product in digital lending flows.

Regional players

• IDIQ: Acquirer of FPN's Resident-Link direct-to-consumer business in 2022 and a major identity theft protection and credit monitoring provider; comparable in customer lifecycle focus but consumer-direct rather than B2B.

Market position

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/fpn_inc
• Facebookfacebook.com/FPNINC
• LinkedInlinkedin.com/company/fpninc
• Instagraminstagram.com/fpn_inc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds8 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fraud Protection Network