KBA (Knowledge Based Authentication) works from public records databases. A company named LexisNexis, will search it's databases and come up with a list of questions for the client. It is based off the clients information they are asked to enter before they are able to sign the document.
Our KBA process does NOT access credit reporting agencies. The process does not use credit file information so it does not leave a soft inquiry and has no impact whatsoever on the consumer’s credit file or creditworthiness.