Resources

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

If you’re looking to save money and grow your business this year, a switch to VantageScore 4.0 can help you accomplish both. Designed for today’s lending environment, VantageScore combines modern analytics with broader credit access. Here are some commonly asked questions: How does VantageScore score more consumers than other models? VantageScore 4.0 uses advanced analytics […]

As consumers settle into the new year, many are actively looking for ways to pay down balances and regain control of their finances after the holidays. We’re here to help you help them! An Equifax Prescreen delivers valuable, pre-approved consumer prospects tailored to your credit profile criteria and helps you connect with consumers when they need support—especially […]