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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 […]
Fulfill your CRA obligations with new Fannie Mae and Freddie Mac refi programs. New options for low-income borrowers who want to refinance Fannie Mae RefiNow and Freddie Mac Refi Possible are aimed at lower-income homeowners who have not taken advantage of record-low interest rates to refinance their mortgages. Lenders are required to reduce the borrower’s monthly payment […]
As more transactions move into the digital space, you’re likely challenged with detecting increasingly prevalent identity theft and more sophisticated application fraud. FraudIQ® Identity Scan Alerts are an excellent first line of defense, helping you identify both true name and synthetic identity fraud, which can assist in reducing charge-offs and other losses. Identity Scan Alerts help identify potential […]
As you strategically plan and budget for 2022, we’d like to remind you that Equifax provides a wide range of solutions and capabilities beyond our traditional credit reports. If your strategic plan for 2022 includes priorities in technology, fraud prevention, online banking, risk management, new account acquisition, and/or process automation, consider how Equifax’s robust suite […]
Compliance-friendly third party wealth solution provides 75% accuracy WealthComplete HD identifies deposit growth cases without using protected class variables. Read use case. Reducing risk and increasing efficiency for digital mortgages with third party verifications Equifax’s Jennifer Henry discusses why reliable, third party data remains a vital piece of the mortgage process. Read More. Go digital to reach […]
Stay in-the-know about your customers’ employment and income changes While there’s been recent improvement in the nation’s unemployment rate, layoffs don’t seem to be slowing down, according to Marianne Wanamaker, a labor economist at the University of Tennessee, Knoxville. This could mean your customers are experiencing a financial change you don’t know about yet. Strengthen your existing […]
