Protect your portfolio from credit abuse

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 defensible score and clear reason codes to help you identify applicants who might be seeking credit with no intention of repayment.

Benefits to lenders:

• Reduce losses before charge-off: Identify high‑risk, early‑default behavior at account opening—before it hits your bottom line.
• Strengthen fraud controls: Detect first‑party fraud patterns that traditional credit scores cannot uncover.
• Improve operational efficiency: Prevent risky accounts from entering collections, reducing waste in recovery efforts.
• Support compliance efforts: FCRA‑regulated data and clear reason codes help you make confident, compliant decisions.
• Safely grow your portfolio: Expand approvals—including near‑prime segments—without increasing your fraud exposure.

We can perform a complimentary retrospective analysis using your recent application data to show how Credit Abuse Risk would have identified high‑risk accounts in your portfolio. Contact us to get started.