Products and Services to Credit Unions

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.

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.

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.

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.

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.

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.

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.

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.