Resources

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 […]

What if you could assess income and employment confidence earlier in the mortgage process—without adding friction for borrowers? Income Qualify helps lenders strengthen prequalification and pre-approval decisions by delivering upfront income and employment insights alongside the Equifax mortgage credit report—at no extra cost! Powered by The Work Number, Income Qualify gives you greater confidence in stated income […]

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? […]

In today’s changing employment market, managing portfolio risk has never been more challenging. Economic shifts, workforce turnover, and evolving income sources all impact your consumers’ ability to pay. That’s where The Work Number® from Equifax can help. With access to the largest centralized source of verified employment and income data, you can: The employment market is in […]

We haven’t quite reached Q4, but now’s the time when many businesses begin discussing next year’s budgets. As you plan for 2026, don’t forget that Equifax provides a wide range of services: Whether your strategic plan includes implementing regular or more frequent portfolio reviews, fine-tuning your marketing prescreens, or evaluating your current credit score model, […]

When was the last time you verified which of your consumers are active-duty service members? With the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA), financial institutions have a legal obligation to identify and protect eligible military members. But compliance can be complex—and risky—if you’re relying on outdated or manual processes. Annual or quarterly portfolio reviews with […]

Today’s borrowers are looking for a more streamlined, stress-free mortgage process. Fortunately, lenders now have more flexibility to offer transactions with soft credit inquiries and meet borrowers where they are.  In addition to improving the borrower experience, soft credit pulls enable you to: We offer three types of soft pulls from Equifax Mortgage Solutions—each suited to […]

We’re excited to introduce ScoreNavigator Mortgage Action Plan™ with Equifax—your secret weapon for mastering the mortgage game. This dynamic credit suite includes three simulators and easy-to-read credit reports featuring point deductions per trade line and sharp credit insights to elevate borrowers’ credit profiles. Mortgage Action Plan™ strengthens credit health by pinpointing key areas of a […]