Buy Now, Pay Later (BNPL) is a short-term installment loan or line of credit made up of individual short-term installments at point of service (POS). The typical duration is six weeks and paid in four biweekly installments—a.k.a. “pay-in-4.” The consumer usually does not pay interest; instead, the merchant pays a transaction fee. BNPL is typically used for retail […]
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Resources tagged "Credit Services"
Do you still write checks? How about visiting ATMs? Do you rely on cashless technologies such as Apple Pay and Venmo? Your answers to these questions depend mostly on your age, and the same goes for your consumers. One size does not fit all when it comes to meeting consumers’ financial needs. As technology continues […]
We are well into the 21st century, but does your scoring model reflect the economic realities of 2022? The financial landscape and consumer behaviors have changed greatly since the release of VantageScore® in 2006, and that’s why it was created it to evolve over time. In its fourth iteration, this tri-bureau credit scoring model includes […]
A sure way to become more financially inclusive is to access alternative data. And we have good news: Equifax’s OneView™ credit report now includes alternative data from DataX and The Work Number® to help you reach creditworthy consumers with thin credit files. This data not only helps consumers but can also help your business with fraud prevention, credit risk assessment, […]
Reimagine your DDA acquisition strategy! It’s time to think differently about DDA acquisition: Use Equifax’s Insight Score for Retail Banking (ISRB) to match undiscovered consumers to the appropriate account types at your bank. Otherwise, you’re leaving money on the table. Unless you’re leveraging alternative data to assess DDA risk, you’re not getting the full picture of your […]
Minimize credit rejection + win consumers. Many consumers shy away from applying for loans or bank cards for fear of being turned down or taking a hit to their credit scores. With Equifax’s Prequalification of One, you can market offers online and allow consumers to determine their eligibility before submitting an application. No hard inquiries involved! Prequalification […]
Our credit training is here! At Confluent Strategies, our mission is to help you understand your consumer data and use proven Equifax solutions to help you and your consumers win. When you partner with us, you’ll receive credit education to reinforce our holistic approach to our partnership and your business. Our Credit Training Series includes […]
A refresher: What is OFAC? The Office of Foreign Affairs Assets Control (OFAC) is a financial intelligence and enforcement agency within the U.S. Department of Treasury that administers and enforces economic and trade sanctions to support U.S. national security and foreign policy objectives. To that end, OFAC publishes lists of sanctioned countries, regimes, companies, groups, and individuals. […]
One strike doesn’t mean they’re out. The underserved market likely includes people you know.A passed-over consumer might be a friend who bounced a check one time or a neighbor who pays cash for everything. Equifax Insight Score for Retail Banking (ISRB) enables you to capture expanded opportunities with confidence by providing more comprehensive views of […]
Big impact. Big savings. Take advantage of our personal credit monitoring discount. Equifax personal credit monitoring offers peace of mind. You can offer proactive* personal credit monitoring to a targeted consumer segment or your employees at a discounted rate when you purchase the activation codes from us. Choose the plan that’s right for you! Equifax Credit Watch™ Gold […]