Resources

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:

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 […]

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 […]

As the mortgage industry continues to evolve, many lenders are taking a closer look at how modern credit scoring models can support both risk management and borrower access. With FHFA approval already in place, VantageScore® 4.0 is gaining traction among mortgage lenders for its ability to: If you haven’t revisited VantageScore 4.0 recently, now is a good time […]

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 […]

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 […]