Products and Services for Business

For businesses that want credit information about INDIVIDUALS

The CMS Pre-Screen Model is designed to allow companies to pre-screen a prospect list for which they do not have consent.

Screen your prospect list using criteria selected from the public record section of Equifax’s comprehensive consumer credit database.

A targeted marketing solution that delivers the information you need to refine your strategies for new customer acquisition and account management.

Improves customer segmentation efforts by enriching your customer database with Equifax’s extensive, value-added data.

A credit-clustering tool that helps you secure high value, long-term customers.

For businesses that want credit information about BUSINESSES

A set of processes and tools that helps ensure your company does not use multiple or inconsistent versions of the same master data in different parts of its operations.

Customized marketing lists that are appended with business credit information so you can target prospective businesses most likely to meet your marketing and financial goals.

A powerful marketing analytics solution that aids in driving your marketing strategy in the right direction by first understanding two key fundamentals—your ideal customer profile and your market penetration.

A highly customized automated notification system designed to quickly and accurately alert you when competitors within a specific industry are actively inquiring on your customers – business or business principle credit files.

CONSUMER CREDIT REPORTS

Displays information of consumer credit and payment activities.

DATA INTEGRATION SYSTEMS for businesses that want credit information about INDIVIDUALS

A decisioning solution that enables you to actively and confidently manage your business strategy without IT programming, database or other resource requirements.

A decisioning solution that processes your customer application data against Equifax’s pre-configured, statistically proven and robust strategies.

A flexible, customizable and configurable decisioning solution containing a rules-based decision engine, a data engine/data hub and an application engine all-in-one solution capable of processing any type of application that requires adjudication and decisioning.

An easy to use online tool that enables you to make objective and informed decisions when approving or declining prospective tenants.

BUSINESS CREDIT REPORTS for businesses that want credit information about BUSINESSES

An efficient, comprehensive business credit report that clearly conveys why you should or shouldn’t say no to credit, while offering more information than ever before about your applicants.

An affordable way to quickly assess large volumes of small-account balances for potential credit risks.

A comprehensive credit report on U.S. businesses that clearly conveys why you should or shouldn’t say no to credit, while offering banking and lease payment information.

An efficient, comprehensive credit report on international businesses

An investigative report derived from a bank reference outlining a company’s current loans, lines of credits and more.

Investigative report that includes verifications from three trade payment sources, along with a bank report and an interview with a principal of the subject business.

When you need information on a commercial customer or prospect updated or verified, we will contact one of the following: a trade reference, a bank reference, or a principal of the subject business.

Investigative report for which provincial and federal registries are contacted, and details are pulled from the subject’s incorporation file, such as officers, directors, and incorporation dates.

DATA INTEGRATION SYSTEMS for businesses that want credit information about BUSINESSES

An innovative new technology platform that allows Equifax Industry Credit Group members to collaborate and interact more effectively within a secure and safe online environment, while exchanging information on business customers and prospects.

A decisioning solution that processes your customer application data against Equifax’s pre-configured, statistically proven and robust strategies.

FRAUD PREVENTION for businesses that want information about INDIVIDUALS

An early-warning protection system that helps you combat credit application fraud

Adds to the power of SafeScan by referencing Info-Direct’s™ comprehensive residential and business telephone directory and Equifax’s extensive consumer credit database.

An application fraud predictor tool that can streamline your credit decisioning operations.

Helps you make sound business decisions by ensuring you “Know Your Customer” and comply with AML legislation.

A centralized automated database that enables you to identify new applicants who have had a previous deposit account closed due to misuse.

An Equifax support solution specifically designed to address the impact of a breach and to help you recover when your data is compromised.

A web based, Equifax hosted, enterprise fraud management solution that helps to identify high-risk or potentially fraudulent activities before it negatively impacts your business.

ID VERIFICATION SYSTEMS for businesses that want information about INDIVIDUALS

Quickly establish the age and address of your web-based consumers for prompt approval of online orders and transactions.

A real time, identity verification and knowledge based authentication solution for businesses performing transactions online or over the phone.

The reliable, real-time, online identity verification process that helps businesses mitigate risk by answering the question: “What is the likelihood this Identity is real?

A Call Centre Identity Verification Solution that verifies whether someone is who they claim to be when communicating with your call centre.

An easy-to-use tool that verifies key identification data against the data contained in Equifax’s Consumer Credit Database to determine if the card is being presented by its rightful owner.

For businesses that want credit information about INDIVIDUALS

Automate your account-monitoring capabilities to streamline your review process and accurately identify both premium and high-risk customers.

Be alerted to important changes when important events and new opportunities occur that affect your customers'portfolios.

For businesses that want credit information about BUSINESSES

Automated account monitoring tool that manages a wide variety of key business activities to help you decrease losses and improve your bottom line.

A dynamic, web-based account management tool that can identify accounts showing signs of risky behaviour while also uncovering potential new revenue streams.

Proactively monitor your accounts and provide timely notification of risk level changes so you can act quickly to minimize any negative impact to your bottom-line.

Makes managing existing credit or risk accounts for customers and supplier easier than ever, freeing the credit or procurement manager from the burden of actively monitoring the accounts.

An excellent way to gain valuable Information on how accounts in your industry are performing, through informal meetings with other credit personnel in a similar line of business to discuss mutual accounts.

SCORES for businesses that want credit information about INDIVIDUALS

Predicts the likelihood of a consumer becoming bankrupt within the next 24 months.  Our latest release places special emphasis on the prediction of bankruptcy on high value accounts helping lenders reduce losses by better identifying large balance bankruptcies. BNI can be validated over 12 or 24-months to compare with other scores.

An accurate predictive tool to use in decision-making with auto loan or lease applications.

Estimate a consumer’s financial potential, enabling your business to be more precise — and confident — in delivering targeted marketing efforts.

Identify which of your near-prime consumers have a greater potential to evolve into responsible and loyal customers, without increasing your risk

Equifax has redeveloped the Equifax Risk Score (ERS) to capture post-recession consumer behavior and incorporate mortgage data which has recently become available.  ERS will enable you to evaluate a consumer’s likelihood of 90+ day delinquency within the following 12 months, thereby reducing your credit-lending risk.

Delivers a credit score that represents the creditworthiness of a person by evaluating their likelihood of repaying their debt or going 90+ days delinquent within the next 24 months.
 

Gain the confidence to make informative credit-lending decisions on consumers new to the Canadian market, including 18-24 year olds and recent immigrants.

MODEL DEVELOPMENT & SCORES for businesses that want credit information about INDIVIDUALS

Protects your business from economic uncertainty by forecasting events that may impact your portfolio and identifying potential vulnerabilities.

Be more competitive with custom business models and solutions that are tailored specifically for your unique business by the Equifax Analytics Consulting Team.

MODEL DEVELOPMENT & SCORES for businesses that want credit information about BUSINESSES

A risk scoring model that predicts the likelihood that a company will be severely delinquent in paying its bills over the next 12 months.

A risk scoring model that predicts the likelihood that a company will cease business in the next 12 months, resulting in losses for its creditors.

A risk scoring system that provides a numerical assessment of a company’s current risk level using a variety of factors from public and proprietary sources (CI), plus measures of the payment habits of a company (PI).

BUSINESS INTELLIGENCE SOLUTIONS for businesses that want credit information about INDIVIDUALS

Gain an in-depth insight into your credit portfolio as it relates to the rest of the Canadian consumer credit market.