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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 […]
Start the new year with a plan. Believe it or not, January 1 is almost here! Now’s the time to review your business plan and make sure you’re using data-informed strategies to meet your goals and stay on budget. When you schedule a comprehensive Business Review with us, we will: audit your overall business, current […]
Avoid costly fines and a damaged reputation In today’s volatile marketplace, organizations face many challenges—including the need to comply with various regulations while attempting to better assess account risk and minimize exposure and losses. Enlist Confluent Strategies and Equifax to help you build out stronger Know Your Customer (KYC) and Anti-Money Laundering (AML) programs. We […]
Standard credit report vs. employment report The credit report you pull to make lending decisions is not the same as the report you run for employment purposes. If you’re using them interchangeably, then you are not adhering to FCRA requirements. When obtaining a consumer report for employment purposes, you must: notify the individual in writing that you […]
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 […]
We know you are committed to conservative lending. Let’s alleviate any apprehension about live checks: You can select underwriting criteria to fit your comfort level. Your members can improve their creditworthiness by taking small, affordable loans from your credit union, eliminating the need to visit other lenders. Live checks with reasonable rates are an attractive […]
Help your members avoid the high rates of other financial institutions. A stress-free lending experience When your members are hit with unanticipated car repair bills or want to supplement their vacation funds, they can be hesitant to apply for a loan in person—wanting to avoid the possibility of being turned down. The preapproval that comes […]
It pays to write live checks. What is a live check? A live check is a real, negotiable check for a set loan amount sent to predefined member segments via direct mail. How does it work? How often should live checks go out?You decide the frequency—monthly, quarterly, annually. When sent regularly, live checks are more likely to hit mailboxes at the right […]
Let’s find the ideal frequency of your Account Reviews. Now more than ever, frequent Account Reviews are critically important to your business. As the economy continues to rebound, I can help you understand your changing consumer risk, leverage seasonal opportunities, and equip you to take action. Do you wonder… Who will be able to pay their commitments […]
