Resources

When was the last time you updated your portfolio data? Do you know which of your consumers might be facing financial stress? In today’s fast-changing market, keeping portfolio data current is more important than ever. An Equifax Portfolio Review helps you proactively manage portfolio performance while minimizing risk. If you’re already reviewing annually, consider increasing to biannually or […]

Discover real opportunity in a fast‑changing small business landscape With more than 5 million new business applications filed annually, the SMB market is moving faster than most databases can keep up with. In fact, roughly 25% of B2B marketing data decays every year due to closures or entity changes. If you’re using static lists, you’re […]

The end of the “average” consumer For years, lenders have relied on averaged indicators to guide growth and risk strategies. But the latest Equifax Market Pulse Index reinforces a critical shift: the “average” consumer is disappearing. Today’s economy is increasingly polarized, with consumers moving decisively toward opposite ends of the financial spectrum. That makes one-size-fits-all […]

Many small businesses are started by individuals and often funded using personal credit before commercial financing ever comes into play. That means some of your consumers might also be business owners, even if they don’t yet have a commercial relationship with your institution. Equifax Link™ helps you identify those connections by securely linking consumer and small […]

Fraud can’t be ignored, but your business can stay ahead with Digital Identity Trust from Equifax. Protecting your business and consumers is simpler with Digital Identity Trust, which works within your existing system, offering APIs, batch processing, and more. Let’s talk about putting trust back in identity verification.

As the mortgage industry continues to evolve, many lenders are taking a closer look at how modern credit scoring models can support both risk management and borrower access. With FHFA approval already in place, VantageScore® 4.0 is gaining traction among mortgage lenders for its ability to: If you haven’t revisited VantageScore 4.0 recently, now is a good time […]

Traditional credit scores indicate the likelihood of repayment but not how much new debt a consumer can realistically manage. Equifax’s Consumer Affordability View fills that gap by providing insight into a consumer’s additional debt repayment capacity, helping lenders make more confident, responsible lending decisions. Consumer Affordability View delivers a rank‑ordered affordability measure paired with dollar‑based monthly repayment […]

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 […]