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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 […]
A new year reminder: Equifax delivers far more than credit data. Through Confluent Strategies, you have access to an exclusive suite of data and analytics solutions designed to help you make smarter decisions, spot opportunities sooner, and measure what’s working—clearly and confidently. Whether your goals this year include growth, efficiency, or greater consumer engagement, Equifax insights […]
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, […]
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 […]
Verifications aren’t just for mortgage lenders.In addition to saving you time and reducing friction for your consumers, verifying employment and income at the time of underwriting will save you money and help grow your portfolio. Ways to leverage verifications Want to know more about how verifications can bring value to your company? Click below for […]
Our complete consumer + commercial profiles empower your best decisions. No matter the challenge, we have insights to help you overcome it. Have your business needs changed? Do you need expert guidance in any of the following areas? We’ve got you covered with comprehensive insights for consumer and commercial lending. Consumer Insights Commercial Insights Schedule […]
As the market continues to inflate, you will likely experience an increase in delinquencies. As such, you might also need help with collections to avoid costly charge-offs. We have a solution to help you capture more past-due payments! When you leverage a solution like Verification of Employment (VOE) from The Work Number® (TWN) and Equifax, you […]
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: […]
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 […]
