How Pavelinox Works

A 0-100 composite score from the PII categories exposed in your profile (SSN, financial accounts, email/password, DOB+address, medical records, phone), weighted by the fraud types each one enables, then scaled by your account count and credit utilization.

Per-fraud-type expected cost = direct loss + resolution hours × your hourly wage + credit-damage cost from a higher APR on revolving balances + legal fees, using FTC Consumer Sentinel and ITRC population averages by fraud type.

A freeze is free and blocks ~95% of new-account fraud. We net that avoided risk against the time cost of lifting the freeze for real applications (2-4 lifts/year) to show the dollar value of having one active.

10-year NPV of each paid monitoring service (LifeLock, Aura, IdentityForce) versus free self-monitoring, crediting only the marginal insurance value above what your credit cards' zero-liability policies already cover.

Compares your homeowner/renter rider, a standalone policy, and monitoring-plan insurance to find real coverage gaps — and flags double coverage so you can drop a duplicate.

Detection, dispute, and resolution phases per fraud type (1 month for existing-account fraud to 24 months for synthetic identity), plus a FICO score recovery curve calibrated to published benchmarks.