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Recent legislative changes have resulted in many banks scrambling to adhere to new lending guidelines. COMMUNITY REINVESTMENT ACT (CRA)In March 2020, The Federal Reserve Board, the FDIC, and the Office of the Comptroller of the Currency issued a joint statement encouraging financial institutions to work with customers and communities adversely affected by COVID-19, particularly those who are low- and moderate-income. Read […]
The IXI™ Network is an exclusive group of more than 95 leading U.S. financial institutions. Using network data, Equifax directly measures anonymous U.S. consumer assets and investments—about $27 trillion, which is more than 45% of all U.S. consumer invested assets. We help marketers gain a more complete picture of households’ financial and economic positions by collecting […]
Summer is around the corner, and many of your consumers will take on additional expenses like vacations, home landscaping projects, wedding trips, and graduation gifts. Help them put extra money in their wallets with a preapproved live check. Prescreen by Equifax will deliver valuable, preapproved consumer prospects tailored to your credit profile criteria and help you […]
With longer days and warmer temps quickly approaching, many consumers are looking to get away for some R+R. Now’s a great time to extend auto refinance offers to new and existing consumers who could benefit from having extra cash for summer vacations, graduation gifts, seasonal home projects, and more. Leverage an Equifax Prescreen with TargetPoint Triggers to […]
As the temps begin to rise, many people will start spending more. There are things such as vacations to take, home renovations to plan, summer camp fees to pay, and graduation gifts to buy. Consider using these springtime expenses as an opportunity to run a targeted marketing campaign to cross-sell your services to existing consumers and […]
If you’re doing quarterly Portfolio Reviews through Equifax, you’re qualified to use FICO® Score Open Access. Start taking advantage! FICO Score Open Access helps you strengthen consumer relationships and increase profitability by allowing you to share the FICO Scores you already use for credit decisions with your consumers—with no additional fees. Benefits of FICO Score Open Access: Strengthen […]
Now is a great time to offer credit line increases to your loyal, creditworthy consumers. By adding differentiated data to a Portfolio Review, you can target the appropriate consumer segment to help grow your wallet share. Equifax’s exclusive add-on options and flexible criteria will help optimize your account reviews. And when performed regularly, these reviews provide […]
Engage a new generation of consumers whose “pay later” is now due. Many holiday shoppers who took advantage of the popular Buy Now, Pay Later (BNPL) option might have gotten a little too jolly at online checkout. As “pay later” becomes “payment due,” now is a great time to help these consumers out with a live check to consolidate multiple […]
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 […]
