Resources

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 But compliance can be complex—and risky—if you’re relying on outdated or manual processes.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 […]

Today’s competitive lending environment requires a fuller view of consumers’ financial profiles, and we’re committed to supporting the mortgage industry through an extensive set of data-driven solutions. The Work Number® Report Indicator notifies you upfront if an applicant has a verification of income and employment (VOIE) record in The Work Number database. What’s new is that […]

Spoiler alert: Not all soft pull inquiries are the same. But how do you know which is needed in different lending scenarios? We’re here to help! Soft Pull Types from Equifax Mortgage Solutions The good news is none of these soft pulls prompt triggers, and all of them are available with information from one, two, […]

A different way to build your real estate loan pipeline! Now that mortgage business is picking up, lenders are looking to build their mortgage and home equity pipelines. Wouldn’t you like to know… We can help you get that information and more. Or maybe you want to market HELOCs to homeowners who are handcuffed by a […]