In plain English
RON platforms commonly pair KBA with checking a government ID. If the signer fails, they may not proceed.
The questions come from credit and public records.
Why it matters
Failing these questions can end a remote session before any document is signed. People with thin credit files, recent moves or name changes sometimes struggle, which can mean switching to an in-person signing.
The questions are timed, so a signer who has to search old paperwork can run out of time.
Worked example
A signer is asked a set of questions about past addresses and must pass within the time limit.
What to do
- Think through past addresses, vehicles and lenders before the session.
- Sit somewhere quiet so you can focus during the timed questions.
- Answer the questions yourself without help from others.
- If you fail, ask the notary what the platform allows for retries.
- Have an in-person backup plan if the document has a deadline.
Common mistakes
- Having a spouse answer questions defeats the purpose and can void the session.
- Guessing quickly on unfamiliar questions can use up the allowed attempts.
- Waiting until the deadline day leaves no time for an in-person option if questions are failed.
Not the same as: Credential analysis
Knowledge-based authentication tests what you know from your records, while credential analysis checks whether your physical ID card appears genuine. See Credential analysis.
Go deeper
- RON Identity Verification: KBA and Credential Analysis: How remote online notarization confirms identity: credential analysis of your ID, knowledge-based questions, and what to do if the checks do not pass.
- Remote Notarization ID Rejected: Troubleshooting Steps: When a remote notarization platform rejects your ID photo, these steps can help: fixing glare, trying another document, checking expiration and ID types accepted.
Related terms
- Legalization: A multi-step process that authenticates a document for use in a country that does not accept an apostille.
- Lien release: A document stating that a debt secured by property has been paid and the lien removed.
- Jurat: A notarial act where the signer swears or affirms that the contents of the document are true and signs in front of the notary.
Common questions
What is knowledge-based authentication?
Identity questions drawn from the signer's records that only the signer should be able to answer.
Can you give an example of knowledge-based authentication?
A signer is asked a set of questions about past addresses and must pass within the time limit.
Where do the questions come from?
They are drawn from credit and public records tied to your identity. The notary does not write them.
What happens if I fail?
Platforms commonly allow a limited number of attempts. After that, the signer may need to try later or sign in person.
General information, not legal advice. Rules vary by state and change; check with your state's commissioning office.