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Determining small-business risk goes beyond assessing a company’s credit history—often you also need data on its key backers. A supplement to the Equifax business report, the Business Principal Report (BPR) provides consumer credit information on the business principal, owner, or personal guarantor to give you deeper insight into commercial risk. The BPR is especially helpful […]
When was the last time you performed a health check on your risk score? Running a score validation is not just a best practice—it’s also a pillar of sound risk management. Market conditions and business behaviors have evolved over the past 10 to 20 years, so your risk score should, too. A validation helps determine whether […]
Verifications aren’t just for mortgage lenders.In addition to saving you time and reducing friction for your consumers, verifying employment and income at the time of underwriting will save you money and help grow your portfolio. Ways to leverage verifications Want to know more about how verifications can bring value to your company? Click below for […]
First‑party fraud continues to rise and now costs lenders and vendors more than $6 billion annually. Because this behavior uses legitimate identities, it often passes traditional fraud and credit checks. Credit Abuse Risk from Equifax adds a specialized layer of protection to your existing decisioning strategy. Powered by machine‑learning and FCRA‑regulated data, this solution provides a […]
If you’re looking to save money and grow your business this year, a switch to VantageScore 4.0 can help you accomplish both. Designed for today’s lending environment, VantageScore combines modern analytics with broader credit access. Here are some commonly asked questions: How does VantageScore score more consumers than other models? VantageScore 4.0 uses advanced analytics […]
As consumers settle into the new year, many are actively looking for ways to pay down balances and regain control of their finances after the holidays. We’re here to help you help them! An Equifax Prescreen delivers valuable, pre-approved consumer prospects tailored to your credit profile criteria and helps you connect with consumers when they need support—especially […]
The K-shaped economy has carried into the new year—continuing to widen the gap in economic mobility, especially around homeownership. As VantageScore president and CEO Silvio Tavares said on CNBC’s Squawk Box in December 2025: “One of the biggest drivers of the K shape is one single item: homeownership. Those consumers who own their own home have the ability to […]
What if you could assess income and employment confidence earlier in the mortgage process—without adding friction for borrowers? Income Qualify helps lenders strengthen prequalification and pre-approval decisions by delivering upfront income and employment insights alongside the Equifax mortgage credit report—at no extra cost! Powered by The Work Number, Income Qualify gives you greater confidence in stated income […]
A new year reminder: Equifax delivers far more than credit data. Through Confluent Strategies, you have access to an exclusive suite of data and analytics solutions designed to help you make smarter decisions, spot opportunities sooner, and measure what’s working—clearly and confidently. Whether your goals this year include growth, efficiency, or greater consumer engagement, Equifax insights […]
If you’re not familiar with VantageScore 4.0, it provides a significant leap forward in your ability to reach additional, underserved populations and realize substantial cost savings through optimized decision-making. To help Equifax customers experience these benefits firsthand, we have an exclusive offer: *Current Equifax customers who purchase FICO scores from October 1, 2025, through 2026 […]
