Products and Services for Banks & Financial Institutions

Equifax Credit Behaviour Segmentation (ECBS)

For companies looking to acquire new customers.

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

Data Attribute Service

For risk and marketing managers looking to improve customer segmentation.

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

Consumer Credit File

Credit granting companies.

Displays information of consumer credit and payment activities.

iDecision Power

Small to medium sized companies that are comfortable managing credit strategies with out IT programming.

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

InterConnect

Mid to large size companies that require rules based credit decisions and/or adjudication.

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 that processes any type of application that requires adjudication and decisioning.

Corporate Data Breach Assistance

Companies that make credit decisions and are concerned about fraud.

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

Citadel

Companies concerned about fraud and require a sophisticated fraud detection and prevention solution. 

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.

eIDCompare

Companies that need to verify identity in real time.

Provides real-time consumer authentication for online transactions and enables you to process transactions immediately.

eIDVerifier

Companies that need to verify identity in real time.

A sophisticated authentication process that provides greater accuracy for online applications than traditional off-line, one-on-one identity verification alternatives.

QuickMatch

Merchants that are looking to reduce risk of “card not present“ transactions, such as Internet and telephone orders.

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.

SafeScan

Companies that make credit decisions and are concerned about fraud.

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

SafeScan ID

Companies that make credit decisions and are concerned about 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.

Credit Marketing Services

For mid to large sized companies looking to acquire new customers.

Designed to allow companies to pre-screen a prospect list for which they do not have consent.

Portfolio Management Services

Mid to large size companies that want to automate their account monitoring capabilities.

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

Triggers - Retention

Mid to large size companies who want to retain their best customers.

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

Triggers Reveal

Mid to large size companies who want to retain their best customers.

Be instantly alerted to changes in your customers’ credit profiles so you can respond quickly and appropriately.

Bankruptcy Navigator Index (BNI)

For companies looking to identify different levels of risk in order to make sound credit decisions.

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.

BEACON

For companies looking to identify different levels of risk in order to make sound credit decisions.
 

Evaluate a consumer’s likelihood of 90+ day delinquency within the following 24 months, thereby reducing your credit-lending risk.

Canadian Auto Risk Score (CARS)

For companies that make auto financing transactions.

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

Canadian Income Predictor (CIP)

For companies looking to be more precise and confident in delivering targeted marketing efforts.

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

Custom Models & Scores

Medium to large size companies looking for custom models tailored to their unique business.

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

Emergent Score

For companies looking to identify different levels of risk in order to make sound credit decisions.

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

Equifax Risk Score

For companies looking to identify different levels of risk in order to make sound credit decisions.

Our most advanced and most accurate solution to evaluate a consumer’s likelihood of 90+ day delinquency within the following 12 months, thereby reducing your credit-lending risk.

Neighbourhood View

For mid to large sized companies looking to acquire new customers.

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

No Hit No Score (NHNS)

For companies looking to identify different levels of risk in order to make sound credit decisions.

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

Portfolio Forecasting & StressTesting Solution

Medium to large size companies looking to protect their business from economic uncertainty.

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

Portfolio Insights

Medium to large size companies looking to gain an in-depth insight into their credit portfolio.

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