Special Scores

Some companies sell special credit reports containing gaming and sports betting histories.

These gaming and sports betting credit reporting companies monitor how consumers interact financially with casinos, high-roller cages, racetracks, online sportsbooks, check-cashing cages, and digital gaming apps.

One gaming and sports betting credit reporting company functions as a centralized database where more than three hundred participating casinos exchange player financial activity. This company tracks and aggregates the following types of information:

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‍Casino “Marker” History: Information on casino credit lines (markers) extended to players, including unpaid markers, repayment timeliness, and default records.

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Casino Inquiry and Play Activity: Logs of where and when a patron has applied for credit lines across multiple casino properties.‍

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Bank Account and Balance Verification: Real-time bank status reports to verify if a player has the funds to cover markers or paper checks written at the casino cage.‍

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Returned Check and Uncollected Items: Histories of bounced checks or unpaid marker transfers.‍

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Due Diligence and Compliance: Know Your Customer (KYC), Anti-Money Laundering (AML), and “Source of Funds” data to confirm identity and legitimate income streams.

Another gaming and sports betting credit reporting company provides a consumer-facing payment network and risk screening system for online sportsbooks/ betting apps (like DraftKings and FanDuel). This company evaluates patron risk by tracking the following types of data:

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‍ACH and Check-Cashing Settlement History: Records of electronic transfers, cash advances, and check authorizations across all partner establishments.‍

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Returned Checks and NSF Events: Instances where an ACH transaction or check bounced due to non-sufficient funds (NSF).‍

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Patron Limits and Risk Scores: Custom limits and risk rules assigned to each individual player based on their bank credentialing and past settlement history.‍

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