Resources

Life events are important marketing triggers. Significant life events like weddings and home buying often bring planned and unplanned expenses along with them. You can meet consumers where they are if you’re attune to their behavioral signals. But you might ask, “How do I pinpoint where my consumers are on their life journeys?” We can […]

We understand that as a mortgage lender, the process of collecting a borrower’s credit, income, and asset information to complete a URLA can be time-consuming and inefficient. You often chase down information or wait for a borrower to provide the necessary documents to get the loan into underwriting, only to find that the data is […]

E-commerce fraud has evolved and increased with the rise in online commerce having accelerated since 2020. By 2024, e-commerce merchants may lose an estimated $24 billion to online payments fraud. Although e-commerce fraud increases are nothing new, bad actors are launching more sophisticated fraud attacks. Common types of e-commerce fraud include payments fraud, friendly fraud, account takeover […]

Targeted marketing always wins, especially in a slowing market As the summer winds down and we head into Q4, it’s not surprising to see decreased home-buying activity. But compared to the recent housing hot streak, this seasonal drop seems to hit harder. Now, more than ever, it’s important to make your marketing dollars count. Reaching the […]

You might be noncompliant without knowing it. 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: […]

As the lender, you request the VOA, supplying required borrower fields such as Permissible Purpose, verification time frame, and the borrower’s email address. Next, the applicant will enter an email flow, prompting them to create an account to share information with you. As the lender, you’ll be copied on all emails to the borrower except […]

How are you ensuring business continuity, reducing reputational harm, and avoiding potential supply chain disruptions? Prioritizing these goals is essential in today’s expanding global marketplace. Competition is too fierce to not have 24/7 insight into your supplier relationships. Equifax’s Supplier Risk Solution (SRS), powered by Interos, delivers a holistic view of supplier risk by delivering […]

Segment consumers and find hidden opportunity based on economic potential. A common scenario: You have two consumers of similar ages, life stages, and demographics, and both have interest in your products and services. How do you know which will drive greater profitability now and have a higher lifetime value? We can help! Equifax IXI™ Data […]

Getting borrowers preapproved for a mortgage is no easy task, but helping them understand their finances in the “quiet period” will benefit both parties. As you know, every financial decision your borrowers make during this time period impacts the closing process, so help set them up for success and ensure a quicker time to revenue in […]

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 […]