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For decades, the “30% rule” served as a reliable measure of housing affordability. Today, that benchmark no longer reflects the financial reality facing many consumers. Rising mortgage payments, property taxes, insurance costs, and maintenance expenses are pushing total housing burdens beyond 40% of household income in many markets, creating a fundamental shift in financial capacity […]
Today’s economy is creating a wider divide between consumers who are thriving financially and those facing increasing pressure. For financial institutions seeking deposit growth and long-term customer value, identifying and engaging wealthier households, HENRYs (High Earners, Not Rich Yet), and young affluent consumers has become a strategic imperative. The challenge is knowing where to find […]
Get ready to level up your account opening strategies! Equifax has expanded its partnership with MeridianLink and is rolling out powerful new solutions inside your LOS. Check out the game-changing solutions that are now live* in your system:
In today’s economy, commercial lending presents both opportunity and uncertainty—whether you’re actively managing a portfolio or building a new program from the ground up. No matter the size or stage of your commercial strategy, success depends on your ability to monitor performance, identify changes, and respond with confidence. A well-defined approach to commercial account management […]
A faster path to a more predictive score Choosing the right credit score is critical to both growth and risk management, but traditional validation methods can be time-consuming and expensive. Score Validator from Equifax provides rapid, cost-effective access to score performance data and helps you validate, compare, and confidently migrate to a more predictive model. With […]
We offer comprehensive solutions for all your disclosure needs. 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. Common disclosure requirements We’ll handle the printing, sorting, and mailing of regulatory disclosures and other […]
With an average of 400K+ new business applications submitted every month, lenders are finding it increasingly difficult to know who they’re working with prior to forming a relationship. Having access to current and accurate business data is the key to quickly identifying legitimate businesses and reducing the risk of fraud. Business Verification Solution from Equifax goes beyond basic […]
Consumers tune out most credit offers—until they’re actually ready to act. Prescreen by Equifax helps you reach consumers at the precise moment of interest, identifying prospects who are most likely to respond and are aligned with your risk strategy. By leveraging insights from the Equifax consumer credit file and incorporating alternative data when needed, Prescreen enables more precise targeting, stronger response […]
Ready to give up the guessing game and quickly identify new mortgage opportunities in your existing portfolio? We have a solution! TargetPoint Alerts are near real-time or daily inquiry alerts that combine prequalifications (consumer-initiated soft inquiries) and credit applications (hard inquiries) for those who already do business with you. These timely alerts help you find market-ready consumers […]
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 […]
