To address a synthetic identity fraud challenge that extends beyond specific credit behavior and relationships, we offer synthetic identity detection rules. These specialized rules consist of 30 conditions that evaluate a broad selection of consumer behaviors. When they occur in specific combinations, these behaviors indicate synthetic identity fraud. Evaluating a consumer’s credit behavior enables synthetic identity detection rules to decipher actions consistent with criminals versus the behavior displayed by consumers who are new to credit. Reducing the incidence of inaccurately associating a real identity with a fictitious one provides a better customer experience.