Resources

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 […]

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 […]

The K-shaped economy has carried into the new year—continuing to widen the gap in economic mobility, especially around homeownership. As VantageScore president and CEO Silvio Tavares said on CNBC’s Squawk Box in December 2025: “One of the biggest drivers of the K shape is one single item: homeownership. Those consumers who own their own home have the ability to […]

A new year reminder: Equifax delivers far more than credit data. Through Confluent Strategies, you have access to an exclusive suite of data and analytics solutions designed to help you make smarter decisions, spot opportunities sooner, and measure what’s working—clearly and confidently. Whether your goals this year include growth, efficiency, or greater consumer engagement, Equifax insights […]

If you’re not familiar with VantageScore 4.0, it provides a significant leap forward in your ability to reach additional, underserved populations and realize substantial cost savings through optimized decision-making.  To help Equifax customers experience these benefits firsthand, we have an exclusive offer: *Current Equifax customers who purchase FICO scores from October 1, 2025, through 2026 […]

With the FHFA preparing to adopt new credit scoring models, mortgage lenders are taking a closer look at how VantageScore 4.0 compares to Classic FICO Scores—and how these updates could shape your lending decisions going forward. Although both models aim to predict credit risk, VantageScore 4.0 introduces modern data and analytics that better reflect today’s […]

We’re excited that the FHFA (Federal Housing Finance Agency) has approved VantageScore 4.0 in mortgage lending—a milestone that opens up powerful new opportunities for both lenders and borrowers. Equifax is leading the charge with a supportive, competitive transition: Why this matters for you and your borrowers: Want to add VantageScore 4.0 to your mortgage workflow? […]

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 […]