A method and apparatus are disclosed for determining whether a responder is who he or she claims to be, by evaluating responses to a series of questions drawn from various data providers, e.g. real estate data about the responder' s house; family members from other publicly available sources; etc. The invention also comprises a novel empirically-derived scoring component that is used to evaluate the likelihood that correct/incorrect responses to the multiple choice questions is fraud, i.e. an impersonator.