Public Record Events Risk Index for SmartLinx Person Report

The SmartLinx® Public Record Events Risk Index uses derogatory variables to calculate the risk level of an identity.

The risk index displays one of the following risk statuses: Low Risk (green), Moderate Risk (yellow), or Elevated Risk (red).

If any of the risk indicators are true, then the Public Record Events Risk Index is automatically flagged as high risk.

The following table lists the high-risk identity indicators, a description of the indicator, and possible actions.

High-Risk Identity Indicators
Indicator Description Possible Actions
SLP_Derog_Incarcerated_Parole The identity is currently incarcerated or currently on parole.
  • Click the indicator to navigate to the Possible Criminal/Arrest section of the report.
  • Point to (More Searches), and click (Open in a New Window) to open a LexisNexis® Due Diligence Person Report in a new window.
SLP_Derog_SexOffense The identity has a sexual offender record.
SLP_Derog_Felony The identity has felony records.
SLP_Derog_Criminal_Red The identity has more than 10 criminal records.
SLP_Derog_Prev_Incarcerated The identity was previously incarcerated.
SLP_Derog_Foreclosure The identity has foreclosure/NOD records.
  • Click the indicator to navigate to the Real Property section of the report.
  • Point to (More Searches), and click (Open in a New Window) to open a Due Diligence Person Report in a new window.
SLP_Derog_Landlord/TenantDispute_Red The identity has either one landlord/tenant dispute record within the last year, or more than four landlord/tenant dispute records for all of time.
  • Click the indicator to navigate to the Judgements/Liens section of the report.
  • Point to (More Searches), and click (Open in a New Window) to open a Due Diligence Person Report in a new window.
SLP_Derog_BK_Red The identity has more than two bankruptcy records.
  • Click the indicator to navigate to the Bankruptcy section of the report.
  • Point to (More Searches), and click (Open in a New Window) to open a Due Diligence Person Report in a new window.

The following table lists the medium risk identity indicators, a description of the indicator, and possible actions.

If one or both of the indicators SLP_Derog_Lien_Red or SLP_Derog_UCC_Red are true, and one or more of the indicators SLP_Derog_Landlord/TenantDispute_Orange, SLP_Derog_Criminal_Ylw, or SLP_Derog_Arrest are true, then the index is flagged as high risk.

If any one of the indicators are true is true, then the index is flagged as medium risk.

Medium Risk Indicators
Indicator Description Possible Actions
SLP_Derog_Lien_Red The identity has recent judgment/lien records.
  • Click the indicator to navigate to the Judgements/Liens section of the report.
  • Point to (More Searches), and click (Open in a New Window) to open a Due Diligence Person Report in a new window.
SLP_Derog_UCC_Red The identity has many UCC (uniform commercial code) records.
SLP_Derog_Landlord/TenantDispute_Orange The identity has two or three landlord/tenant dispute records.
SLP_Derog_Criminal_Ylw The identity has from four to nine criminal records.
  • Click the indicator to navigate to the Possible Criminal/Arrest section of the report.
  • Point to (More Searches), and click (Open in a New Window) to open a Due Diligence Person Report in a new window.
SLP_Derog_Arrest The identity has arrest records.

The following table lists the low risk identity indicators, the associated category, a description of the indicator, and possible actions.

If two or more of the low risk indicators are flagged, then the index is flagged as medium risk. If only one indicator is flagged, then the index is flagged as low risk.

Low Risk Indicators
Indicator Description Possible Actions
SLP_Derog_Landlord/TenantDispute_Ylw The identity has one landlord/tenant dispute record.
  • Click the indicator to navigate to the Judgements/Liens section of the report.
  • Point to (More Searches), and click (Open in a New Window) to open a Due Diligence Person Report in a new window.
SLP_Derog_BK_Ylw The identity has one bankruptcy record.
  • Click the indicator to navigate to the Bankruptcy section of the report.
  • Point to (More Searches), and click (Open in a New Window) to open a Due Diligence Person Report in a new window.
SLP_Derog_Lien_Ylw The identity has multiple, but not recent, judgment/lien records.
  • Click the indicator to navigate to the Judgements/Liens section of the report.
  • Point to (More Searches), and click (Open in a New Window) to open a Due Diligence Person Report in a new window.
SLP_Derog_UCC_Ylw The identity is associated with UCC records.
  • Click the indicator to navigate to the UCC Filings section of the report.
  • Point to (More Searches), and click (Open in a New Window) to open a Due Diligence Person Report in a new window.

The following table lists the positive risk identity indicators and a description of the indicator.

note.pngPositive indicators provide additional information, but do not affect the status of the index.
Positive Risk Indicators
Indicator Description
SLP_ID_Blue_Mult_NonDerog The identity has two or more non-derogatory sources that were updated in the last 180 days.
SLP_ID_Blue_Recent_NonDerog The identity has one or more non-derogatory sources that were updated in the last 90 days.