Automotive

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Insights on Subprime Auto Financing

With used car sales increasing, and debt burdens at record levels, this paper tackles the key question: How does the subprime mortgage meltdown affect subprime auto lending?

Indirect Auto Lending

In dealing with today's economic crisis, both auto dealers and auto finance companies require a more granular level of insight into their customer's credit profile. We understand the unique needs of these two distinct aspects of the automotive market, and have developed a powerful set of auto industry credit and marketing tools that help our dealers and auto finance customers manage through all phases of the auto loan lifecycle.

Auto Finance Solutions

Auto captives need greater insight into their customer’s balance sheet, credit capacity and current income and employment for more effective account and portfolio management. Whether you’re challenged with increasing synthetic fraud rates or stalled dormant charge-off populations, Equifax has proven tools that help your bottom-line results across critical operational areas:

§ Automotive Marketing

§ Auto Loan Origination

§ Account Management

Auto Dealer Solutions

Changes in capital availability mean many dealers require access to different risk scores than they’ve traditionally relied on. Our BEACON and BEACON Auto Adjusted scores are the most widely accepted automotive credit risk scores in the industry, with seamless integration to leading platform and dealer management systems so your loan applications get approved more quickly:

§ RouteOne

§ DealerTrack

§ ADP

§ Reynolds & Reynolds

Equifax also helps dealers leverage greater insight from your Internet channel, providing actionable demographic and lifestyle data on customers shopping your website.

"Since the integration of Equifax's APPRO interface, the dealers we work with have reported improved control over their contracts-in-transit, resulting in increased cash flow. The interface allows us to accept eContracts from our dealers, which improves the overall efficiency of our department."

- Chuck Smith
First Vice President,

Director of Lending
San Antonio Federal Credit Union

Contact Equifax today at 1-800-879-1025 for automotive solutions that drive results.

Why use Equifax

As the needs of our customers have evolved, so have we. Expanding on our role as the trusted steward of credit data, Equifax has grown into the leading provider of technology-and analytics-fueled information solutions.

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