Knowledge questions stopped working
Verification used to mean answering questions about a previous address or an old car loan. That model assumed the answers were private. After two decades of breaches, they are not.
Modern verification instead proves three things together: the document is genuine, the person presenting it is alive and present, and that person is the one the document describes.
The layers of a real verification
- Document authentication: checking a government-issued ID for tampering, structure, and security features.
- Liveness detection: confirming a live human is present, not a photo, a mask, or a generated video.
- Biometric match: comparing the live capture against the portrait on the document.
- Identifier validation: confirming the government identifier is well-formed and consistent with the record.
- Age assurance: confirming the person meets the minimum age. Hub or Dub is 18 and over, with no exceptions and no manual override.
Why identity binding matters more than the check itself
The check is a moment. The binding is permanent. Once an identity is verified, everything that follows, every finding, every dispute, every score change, attaches to that verified identity rather than to a name string that thousands of people share.
This is what prevents the most damaging failure in consumer reporting: mixed files, where one person's records land in another person's report.
Privacy is part of the design
Sensitive identifiers are encrypted and never displayed back in full. Verification artifacts are retained only as long as required, access is logged, and nothing is sold or disclosed to outside parties. Disclosure happens only under a lawful court order signed by a judge and verified through the proper channels.