Maximize your remaining 2025 budget!

Looking for ways to add value to your business before December 31? An Equifax Portfolio Review is the perfect way to maximize any remaining funds in your 2025 budget.

What is a portfolio review?

A portfolio review provides updated credit scores and credit attributes so you can then have a full picture of your consumers’ overall credit profiles. This powerful tool can quickly provide deeper consumer behavior insights, support informed decisioning, and keep your portfolio profitability in focus.

Leverage data from a portfolio review to better understand your current mix of consumers. Gain practical insights around risk distribution, consumer segments, changes in scores since purchase or origination, and ideal cross-sell candidates.

Top 5 reasons to run a portfolio review

• Monitor the overall creditworthiness of your portfolio.
  Many financial institutions are required to monitor their portfolios regularly, so performing a portfolio review allows you to check this box for auditors.

• Identify risk in your consumers’ credit behaviors.
  Wouldn’t you like to know, for instance, which consumers have $10,000+ in credit card debt? Or who’s behind on their obligations with other financial institutions? A portfolio review can help answer these questions.

• Determine which consumers need credit line increases or decreases.
  Find out which consumer profiles indicate worthiness for a credit line increase. For riskier consumers, you might consider decreasing or suspending their credit lines.

• Refresh your scores.
  Consumers who had strong credit scores when they first took out loans might not carry the same risk level today. A portfolio review helps you understand the current credit quality of your accounts—which strengthens your business and supports audit requirements.

• Uncover missed opportunities.
  Do a large percentage of your consumers have unsecured personal loans—at your institution or another? Consider offering UPLs or launching a live check campaign during the holiday season.

There are still valuable insights to be discovered this year, and an Equifax Portfolio Review can help you uncover them.