Resources

Now’s the time to start regular portfolio monitoring! With the current market uncertainties, you can’t afford not to proactively fend off losses. Take action.Equifax offers a simple, inexpensive way to find out which of your consumers might be headed for trouble. With portfolio monitoring, you can track the criteria of your choice on a schedule that […]

Economic Cohorts is a breakthrough segmentation solution that leverages Equifax’s aggregated economic information to segment households into 71 unique clusters. Each cluster comes with a profile detailing likely income, spending, credit capacity, and credit usage of the households within the group—allowing you to better understand your portfolio and target your ideal prospects. A non-FCRA regulated solution, […]

With Lock & Alert, your consumers are in control of their Equifax credit reports—which helps prevent delays during the credit application process. It’s a win-win for you and your consumers. And it’s totally free! Why lock? Locking an Equifax credit report is an effective way to help provide additional protection against unauthorized access and help […]

We offer comprehensive solutions for any disclosure need you might have. Whether it is delivering federally required disclosures, welcome letters, or other notifications, our Disclosure Fulfillment team brings customized solutions to fit any company’s needs—saving you time, money, and valuable labor resources. Our environment is platform-agnostic: Regardless of your core processing system or loan origination […]

Back-to-school season is around the corner, and many of your consumers will take on additional expenses such as tuition, dorm room furnishings, laptops, school supplies, clothing, and travel. Help them put extra money in their wallets with preapproved live checks. An Equifax Prescreen delivers valuable, preapproved consumer prospects tailored to your credit profile criteria and helps you […]

Is your financial institution is looking to increase deposits? We can provide the segmentation and analysis you need to determine which of your consumers have the means to generate significant deposits. WealthComplete® Premier from Equifax enables you to calculate share of wallet based on all liquid financial assets—about $61 trillion—held by U.S. households. And you […]

There’s no tiptoeing around it: Credit card delinquencies are the worst on record, according to recent Fed data. Almost 3.5% of card balances were at least 30 days past due as of the end of December. That’s the highest figure since the Fed starting tracking the data in 2012. How are you protecting your portfolio against rising […]

Want to experience the cost savings and innovation of the VantageScore credit model but unsure of its adoption in the market? Recent data helps answer that question. In 2023, VantageScore usage increased by 42% to a record volume of more than 27 billion credit scores. More than 3,400 unique banks, lenders, and other institutions used VantageScore last year, […]

You’ve heard us talk about the benefits of VantageScore: affordability, performance, inclusivity, consistency, and transparency. But why not find out for yourself? If you’re wondering how your current score compares to VantageScore, consider running a portfolio review with both score models. That way, you’ll get both scores for each of your consumers at the same […]

Looking for a more affordable scoring model? One that reflects today’s economic realities? Created in 2006, VantageScore is now in its fourth iteration, which has been fine-tuned to the current credit landscape. Not only is it more accurate, but it’s also priced well below competing scoring models! More predictive. More inclusive. More affordable. VantageScore scores 33 million […]