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Our Capabilities
Understanding credit risk comes down to having the right data — and data is what Equifax does best. Leverage consumer credit data covering 245+ million consumers to approve 20% more applicants. Layer on alternative insights to gain a more holistic consumer view and find more customers. And stay ahead of emerging risk to remain agile in an ever-changing market. Whatever your goals, Equifax data helps bring them within reach.
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What Sets Us Apart
Unrivaled Insights
Boasting the industry’s largest, most powerful portfolio of credit scores and attributes.
Predictive Analytics
Leveraging up to 24 months of tradeline-level data to help you get ahead of emerging risk.
Cloud-Native Infrastructure
Speeding access to the most up-to-date insights and the latest product innovations.
Uncover Hidden Risk and Opportunity at Every Stage of Lending
Our differentiated data helps credit underwriters better assess and manage risk across the lending lifecycle.
Optimize Decisioning for Any Customer Type
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What Can We Help You Do?
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Insights from Our Experts
- September 25, 2024 How Alternative Finance Lenders Can Make Better Lending Decisions with a Single Score Our experts, Anna Fisher, Vice President, Alternative Finance, and David Sojka, Risk Advisor, disc [...]
- September 12, 2024 How Lenders Can Take Advantage of Open Banking Open banking is a financial services model that allows third-party providers to access a consumer' [...]
- August 12, 2024 How Credit Unions Can Address Rising Auto Loan Delinquencies It’s no secret that auto affordability remains an issue for consumers. High auto prices and high i [...]
- July 30, 2024 The New Normal: June Auto Data and Implications for Lenders The New Normal The automotive industry is in radical transformation. Who will succeed? [...]
- July 26, 2024 Insights on Consumer Credit Risk and the K-Shaped Recovery In the latest episode of the Market Pulse podcast, the Equifax Risk Adv [...]
- July 12, 2024 Leveraging Consumer Data for Strategic Decisioning During our Market Pulse webinars, our audience submit questions each month to our expert panel. Fo [...]
- July 11, 2024 What are Multi-Bureau Attributes? Model efficiency and performance is the key Any company that leverages credit data from mu [...]
- July 03, 2024 Auto Insights: How to Move Forward Given Current Trends In the ever-evolving landscape of auto financing, a multitude of factors shape market dynamics. Fr [...]
- June 25, 2024 Understanding Current Auto Loan Trends: A Look at the Numbers Published in May 2024, our U.S. National Consumer Credit Trends Report on Originations¹ provid [...]
- June 12, 2024 How to Predict Bankruptcy Risk and Help Safeguard Your Lending Portfolio The current dynamic economic landscape presents a complex challenge for lenders. They have relied [...]
- June 11, 2024 3 Ways to Improve Operational Efficiency While Boosting Access to Credit Unleash the power of Equifax alternative data and AI-powered risk decisioning from Provenir [...]
- May 30, 2024 Navigating Economic Crossroads: Insights from Market Pulse Webinar Welcome to the May 2024 Market Pulse Webinar recap. Our goal is to keep you plugged in to what you [...]
- May 20, 2024 Economic Insights on Credit and Affordability The March Market Pulse webinar resonated deeply with our audience. It delved into the complexit [...]
- May 07, 2024 How AI is Transforming Traditional Credit Scoring & Lending Artificial Intelligence (AI) is all the rage right now. At a recent conference that I attended, a [...]
- March 28, 2024 Beyond the Numbers: Answering Your Burning Questions on Delinquency, Interest Rates, and More During March’s Market Pulse webinar, we gave our audience what they have been requesting: extended [...]
- March 20, 2024 Navigating Uncertain Economic Terrain: Insights for Telco and Utility Industries In today's fast changing economic environment, staying informed about macroeconomic trends is esse [...]
- March 01, 2024 A Day in the Life of a Risk Professional Risk management is a multifaceted field that remains an enigma to many. In the lat [...]
- February 22, 2024 Revving Up: Essential Strategies for Succeeding in the Evolving Auto Market of 2024 Shift into high gear In our energetic February 2024 Market Pulse webinar, our experts p [...]
- February 01, 2024 Understanding Affordability in Terms of 2024 Market Trends Our January Market Pulse webinar discussed all aspects of affordability in our current financial m [...]
- January 16, 2024 The Top Strategy Insurers Need to Win the Pricing Battle, Boost Sales, and Cut Acquisition Costs Nobody likes wasting time and money…and yet, insurance carriers present rate quotes for home and c [...]
- December 19, 2023 Consumer Credit Trends: Your Questions Answered During our December 7 Market Pulse webinar, experts shared insights, empowering you to look ba [...]
- December 12, 2023 Looking Back on 2023 and Focusing on Forward for 2024 During the final Market Pulse webinar of 2023, we took a look at the past year’s economic and cons [...]
- November 29, 2023 Impact of Global Economic Headwinds on Consumers: Your Questions Answered During our November 16 Market Pulse webinar, experts shared insights and actionable advice, em [...]
- November 17, 2023 Federal Student Loan Debt – What’s the Impact on Your Portfolio? Take the full capacity of the largest college football stadium (“The Big House” at the University [...]
- November 01, 2023 What Does Consumer Financial Stress Mean for Lenders? We Offer 4 Tips. The warning signs are all around us: many consumers are financially stressed. Already, consumers a [...]
- October 11, 2023 Why Student Loan Debt is a Real Risk for Credit Unions When we speak with our credit union clients, we often bring up the potential impact of student loa [...]
- September 25, 2023 Market Pulse Webinar: How to Strengthen Origination Resilience In the fast-paced world of finance and economic policy, staying ahead of the curve is essential fo [...]
- August 21, 2023 The Roadmap to Navigate Student Loans and Mitigate Risk We are in uncharted economic territory. This month’s Market Pulse webinar is a must-listen to get [...]
- August 14, 2023 Student Loan Repayment Risk. Here’s How to Get Ready. In our first article in this series, we discussed the magnitude of the student loan debt. Over 4 [...]
- August 08, 2023 Student Loan Repayment Could Spell Risk for Your Portfolio. Are You Ready? This is the first of a two-part blog series. Look out for the second article to learn how lenders [...]
- August 01, 2023 Beyond Credit Scores: Why the Whole Consumer Matters In a murky and mysterious economic landscape, there can be uncertainty and hesitation. In July’s [...]
- July 27, 2023 How the Financial Industry can Assess Risk as Federal Student Loan Payments Restart Millions of consumers will have to budget for another monthly payment in October. [...]
- July 05, 2023 Banks and Financial Services can Engage Customers with Credit Health Monitoring Tools We live in a fast paced digital era. That's why banks and financial service providers are looking [...]
- June 15, 2023 How to Monitor Your Pipeline for Undisclosed Debt You’ve seen it before: A borrower’s application - approved. Credit obliga [...]
- May 22, 2023 3 Ways Credit Unions Can Digitally Reduce Fraud While Protecting Their Members’ Experience Fraud is an ever-present threat. It is especially harmful at a time when credit unions are needing [...]
- May 19, 2023 How Lenders Can Score and Approve More Applicants While Managing Risk The nation’s consumers are becoming even more financially diverse. Think about young consumers and [...]
- May 15, 2023 5 Best Practices for Credit Union Portfolio Reviews One action credit unions can take to gain control in an uncertain environment is to effectively us [...]
- April 25, 2023 Score 21% More Consumers and Approve 15.5% More Applicants with a Single Risk Score During these challenging economic times, lenders need to strike a balance between growing their le [...]
- April 24, 2023 Spot Default Risk Early – Before it Impacts Your Portfolio Even with rising interest rates and economic uncertainty, consumers are still expected to seek out [...]
- March 28, 2023 It’s Here - A Single Risk Score to Expand Your Lending Pool For lenders, today’s economy is causing some angst. While lending remains strong, many lenders are [...]
- March 21, 2023 3 Ways to Delight Credit Union Members and Skyrocket Account Growth Spoiler alert: it’s NOT what you think of when you think “Equifax” Everything you do as a c [...]
- February 28, 2023 Major Benefits of Credit Reporting for Both Consumers and Lenders Reporting can be a pain point for many lenders. Yet, it’s an important part of ensuring lenders ge [...]
- February 21, 2023 Use Analytics to Find Fast, Direct Paths to Profitability We’re talking weeks, not months, or years A lot of businesses feel “stuck” in today’s uncer [...]
- February 02, 2023 Strategies for Credit Unions to Grow Deposits in Any Economy In today’s shifting economy, many credit unions continue to focus on maintaining adequate liquidit [...]
- January 30, 2023 The Simple Ways Lenders Can Find Hidden Opportunities From record inflation and rising interest rates, to wavering consumer spending power and a potenti [...]
- January 20, 2023 High-Performing Credit Risk Models for Financial Firms of All Sizes? Yes Please. Big banks are flush with data and analytic resources. Optimizing their credit risk models is a sea [...]
- December 13, 2022 Mitigate Risk in Your Portfolio with These Review Tips You might be asking yourself the $20 trillion-dollar question: are we in a recession? And, what do [...]
- October 21, 2022 Personalize Digital Interactions to Enhance the Credit Union Member Experience Credit union marketers have a full plate. They need to attract new members, deepen relationships wit [...]
- September 28, 2022 3 Ways Lenders can Protect from Undisclosed Debt with Dual Bureau Monitoring In today's quickly changing mortgage environment, Lenders deserve simplicity. Digital m [...]