CLEARWATER, FLORIDA — Clarity Services, Inc., the leading real-time credit bureau providing fraud detection and credit risk management solutions for Middle America announces its newest product, Clear Location™.

A unique fraud detection tool, Clear Location compares addresses provided by an applicant during an online transaction against locations that can be captured by other methods. More specifically, Clear Location works by calculating the distances between the applicant’s home address, work address, IP address, and mobile phone location to identify anomalies.

“ClearLocation takes identity verification to a whole new level,” said Lan Luangsouphom, director of product management at Clarity Services. “Now a fraudster can’t steal an identity from someone across the country or across the world. Unless the fraud attempt is from a location that is in close proximity to the real person, Clear Location will flag it as a risky transaction.”

While device identification continues to be an important component in detecting fraud, mobile phone location adds one more layer of protection. In early trials, Clarity found that when a mobile device is more than 40 miles from a loan applicant’s home address, the risk of default is three times higher.

To obtain an applicant’s mobile phone location, Clarity has partnered with Zumigo, Inc., a location-based management company. “We are excited to support Clarity and their partners with new tools to prevent financial fraud,” said Chirag Bakshi, CEO of Zumigo. “Our mobile technology can verify consumer’s application data including location, giving those that use it a competitive advantage.”

Clear Location is available now. For more information please email

About Clarity Services
Clarity Services, Inc. provides powerful real-time fraud detection and credit risk management solutions for the non- prime and thin/no file consumer segment. By leveraging unique data assets and scores, Clarity Services’ suite of FCRA regulated reports and scores empower providers with visibility into critical consumer information not available on traditional bureau reports. For more information about Clarity Services, visit

About Zumigo
Zumigo is pioneering a new generation of mobile services predicated on providing a richer experience for customers through more relevant, context-based information. Global solutions include securing financial transactions, verifying devices and mobile identity, and supporting marketing to customers with location in context. Founded in 2008, Zumigo is led by veterans of the mobile and financial industries with years of experience in developing and managing mobile solutions for some of the world’s largest carriers and enterprises. For more information about Zumigo, visit

Link to original Clarity Services press release »

Zumigo Press Contact: 
Dan Spalding
(408) 960-9297

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