• Product Sheet
Product

Consumer Credit File

Make more accurate credit decisions with robust consumer credit data
Contact Us
Developer API Portal

A Better Foundation For Risk Evaluation

Lenders and service providers are looking for quick decisions and improved lending experiences. But to make accurate risk decisions and ultimately approve more loans, lenders need quality, up-to-date credit data. Leverage Equifax credit file data to grow your business as you:
  • ​​​​​​Target best prospects for customer acquisition marketing
  • Mitigate the impact of high-risk applicants
  • Focus collections efforts
  • Apply scorable decisions to 97% of the credit eligible U.S. population 

How It's Used

1
Deeper Data Up Front

Access to personally identifiable information for over 245 million U.S. consumers, updated daily from multiple sources.

2
Flexible Decisioning

Get a jump start on risk with credit decisioning with credit file at the center. Then layer in alternative data from cell phone, short term loans, and pay TV payments.

3
Quick Deployment

Hit the ground running with access to APIs and cloud technology. All with the security you expect.

Equifax has Credit Files for 245M+ Consumers and Offers:

Quality
1.6B+ trades updated monthly
Breadth
94% of files have at least 1 trade
Depth
245M+ consumers covered by our data
Product Sheet

Consumer Credit File 

Access to credit keeps everyday life moving forward for consumers. And they expect you to move fast in the process. Which means you need to quickly assess risk to make real-time decisions, in addition to providing a consistently positive experience and the best terms.
View Product Sheet

Related Resources

Product Sheet
Product Sheet
Consumer Credit File
eBook
eBook
3 Reasons Why Being First Matters
Product Sheet eBook

Related Products

Payment Insights
Consumer-permissioned utility and telco data to help lenders gain a more comprehensive view of consumers' financial picture
Learn More
Cashflow Insights
Leverage consumer-permissioned bank account and transaction data to expand consumer access to credit
Learn More
OneScore
A multi-data credit score for more predictability
Learn More
Anchor Text

Contact Us

Connect with our sales team and discover how this product can meet your business needs.

Insights from Our Experts

Discover industry trends, insights, and customer stories that address business challenges and improve results.

View Blog

First Matters

Three reasons why it helps to have Equifax in the primary position.

View eBook