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Originally Posted by jamesbondd
Decent tips -- although surely overwhelming for the OP.
I have a few bits here to share overall.
Having an "aged" email that was never used in previous orders is as useful as a newly created email; while having an "aged" email that was involved in fraudulent orders in the past is worse than a newly created email.
Emailage, Sift Science, and other similar fraud-prevention tools do NOT actually have access to the creation date of the email from the provider (and they never make that claim). The way they work is by having a group of merchants share data about their orders and your email "age" is inferred from its existence (or lack thereof) in the
earliest order in the repository, and, if present, whether that email has been involved in legitimate or fraudulent orders. Therefore, there is no actual need to purchase an "aged" email that was unused.
The second point concerns how merchants are able to verify whether the name supplied matches what's embossed on the card. While it is true that processors aren't able to match the name supplied with the name on the card like they are able to do with other numerical data (such as numerical portion of address, zip, CC#, EXP, and CVV), and while it is true that merchants can manually verify the data by calling the issuing bank, there is often an automated step in the middle that I have never personally seen shared on any forum. A merchant can attempt to match the name supplied against the array of people that are listed to live on a particular address.
What happens here is two things, if the name supplied does indeed match the name of one of the people listed as residing at a particular address, the merchant can safely assume that it is the actual cardholder (although it could very reasonably be a sibling or a relative, or even a roommate of the actual cardholder placing the order instead), and in this case, this signal can be deemed safe. Whereas if the name does not match against any in the array, the risk is elevated (merchants are well-aware of thieves changing the billing address before placing a fraudulent order OR redirecting a shipment once an order has been shipped to the real billing address since the name matches the thief's name).
There are some other points, but this should be enough for now.
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None of what I typed is particularly overwhelming for anyone with an IQ over 85 lol. The gist is be legitimate. The issue is many people don't know what exactly that means when you say it and what exactly it entails.
Fair point on emailage. I would still strongly suggest buying aged emails though. Online marketers who sell these do not just make them and sit on them for a few years. They are emails that they've used themselves for various things related to their work and this involves often using them for LEGITIMATE purchases. I've never had an aged email that was just unused or used for fraudulent orders (different story if you buy these from a fraudster obviously).
there is often an automated step in the middle that I have never personally seen shared on any forum. A merchant can attempt to match the name supplied against the array of people that are listed to live on a particular address.
What happens here is two things, if the name supplied does indeed match the name of one of the people listed as residing at a particular address, the merchant can safely assume that it is the actual cardholder (although it could very reasonably be a sibling or a relative, or even a roommate of the actual cardholder placing the order instead), and in this case, this signal can be deemed safe. Whereas if the name does not match against any in the array, the risk is elevated (merchants are well-aware of thieves changing the billing address before placing a fraudulent order OR redirecting a shipment once an order has been shipped to the real billing address since the name matches the thief's name).
I'm a little confused on what you mean. Are you talking about Experian File One? Or public data? If public data, that can be at times ridiculously inaccurate and surely unreliable for any merchant looking to verify information. I've carded numerous electronics, e-tickets, wholesale sites, gift cards, etc. and used a different CH name for all of them. So...Who is using this? Better question would be what is using this lol.