ATP Index can be used alone or incorporated into models that incorporate consumer financial variables. ATP Index can help marketers more efficiently assess customer portfolios, enhance targeting, better identify high-potential households for marketing efforts, tailor promotions, rank leads, and help inform account management. ATP Index is available for use in both offline and online applications.
An overview of our Affordable Care Act Management Essentials Solution for employers.
Does your team have the resources and expertise required to build and maintain a reliable ACA solution to meet clients' demands? Consider a reseller or referral partnership with Equifax, and get the trusted compliance technology and support you and your clients are after.
Learn more about the ACA training packages we offer in this solution overview.
Television ads cost big bucks. That’s why advertisers and their agencies should take advantage of new, more targeted TV ads to better reach their optimal audiences.
Advanced Communications Plus is a new industry specific score only available to NCTUE Plus members.
Product sheet for Advanced Energy Plus, a new score for thin hit/no file only available to NCTUE Plus members.
Put ACA compliance on autopilot
AudienceIntel from IXI Services, a division of Equifax can help you: Improve campaign and website performance measurement with consumer financial capacity insights. Make instant, data-driven budget allocation decisions with campaign performance insights. Verify your actual audience to better understand what type of audience is viewing and responding to your online ads and website. Real-time, interactive dashboard allows easy “on-the-fly” report visualization, customization and exports.
Manage your collateral risk with a market-leading AVM
It is important to make sure that any partner you consider that will handle your employees' personal information has top-notch security.
Applying segmentation best practices can drive improved marketing and sales performance, and operational efficiency, while also creating a better, more personalized customer experience across multiple channels and touchpoints.
Business Activity Monitor™ is an account monitoring solution that helps reduce delinquency, improve collection outcomes and save time associated with account management through automated alerts on key changes to your customer accounts.
CaseBuilder Flex integrates easily to most internal unemployment case management programs taking care of the document management flow, and prompting workflow actions and activities, while the employer maintains the provisioning and decisioning of the case load.
Equifax processes nearly 5 million unemployment claims each year. That kind of scale gives us the unique process insights that go into the CaseBuilder platform - our intuitive and intelligent web-based solution for streamlining unemployment case management.
Marketers need to connect their digital ad spend to their bottom line. Our proprietary Closed-Loop Attribution measurement solution allows marketers to measure – in a repeatable and turnkey manner – the impact that omni-channel campaigns have on company-specific metrics and revenue, whether the ‘conversion’ was done online or offline.
Compliance Center is a technology portal designed to streamline new hire onboarding; including I-9 management and WOTC
ComplianceConnect helps businesses more easily and efficiently assist with compliance efforts to better manage regulatory risk and high-risk transactions. It leverages robust global data, customizable search and match functionality, and flexible technology to deliver real-time insights.
Email is a key component of an effective omni-channel marketing strategy. Almost all consumers rely on email as one of their primary channels for obtaining the information they need to conduct their daily lives. For marketers, email continues to be an economical and effective channel to connect with consumers.
CreditStyles Pro offers a suite of tools based on aggregated credit data that enables marketers and analysts to differentiate households based on their likely credit availability, needs, and usage.
Our Credit Trends SmartView application (app), available through the Equifax Ignite™ Marketplace, can provide the insight and clarity you need by offering clear, concise data visualizations that are accessible anytime via your computer, tablet or smartphone.
The Work Number drives data and insights for Human Resources and Institutional Research groups in higher education
With onboarding, marketers can reach their offline target audiences in the digital world. Onboarding enables marketers to convert their customer or prospect data in a secure environment to a digital format that can be used for online targeting.
Discretionary Spending Dollars HD (DS$) is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. For organization addressing internal responsible banking concerns, DS$ HD provides robust discretionary spending capacity estimates at the household level without using protected-class demographics. DS$ can be used alone or incorporated into models and can help identify consumers with the estimated spending levels to afford products and services.
Discretionary Spending Dollars (DS$) from IXI Services is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. DS$ represents disposable income minus non-discretionary expenses. DS$ can be used alone or incorporated into models where consumer spending is a factor. It is best used to identify consumers with the estimated spending levels to afford various products and services and can be used in both offline and online applications.
Discretionary Spending Index (DSI) from IXI is a continuous household-based score of 1 to 1000 that ranks households by likely spending capacity and spending behaviors. It enables marketers to rank customers and prospects by estimated spending power. Discretionary Spending Index HD can be used to help improve lead generation efforts and model performance, and help uncover potential hidden opportunities among your current customer and prospect database, and is built without the use of age.
Discretionary Spending Index (DSI) from IXI Services is a continuous household-based score of 1 to 1000 that ranks households by likely spending capacity and spending behaviors. It enables marketers to rank customers and prospects by estimated spending power.
Economic Cohorts incorporates the vital visibility into household economics that has been missing from consumer segmentation products until now. Economic Cohorts segments customer and prospects based on households’ economic positions (estimated total income, ability to spend, ability to pay, and likely credit capacity), in combination with all the key demographic, lifecycle/lifestage, behavioral, lifestyle, and geographic attributes you expect from a leading consumer segmentation system.
Professional Employer Organizations have many business risks that are unique to the industry. Learn how Equifax can help.
Equifax and Jack Henry have joined forces to give financial institutions of all sizes a comprehensive solution to assess new deposit account risk and cross-sell opportunity at the time of new account origination.
Our unique Decision360 approach is to integrate fragmented datasets and insights across channels, types, and platforms.
Equifax Ignite Direct combines data, technology and analytics in a research and development environment.
Equifax Ignite Marketplace, a collection of pre-built, configurable visualization applications, accelerates the sourcing and understanding of large amounts of industry-specific data to continuously optimize and inform intelligent business strategies.
The Fair Credit Reporting Act (FCRA) is a Federal Law that promotes accuracy, fairness and privacy for the data used by Consumer Reporting Agencies (CRAs), including Equifax. Verifications completed through The Work Number service are consumer reports.
Providing verifications of employment can potentially expose employers to many serious legal risks, including liability risk when giving references to other employers, and privacy concerns from leaks of sensitive employee data.
A Smarter Way to Authenticate Customers
A real-time check of the devices used in your online business
Secure Authentication with One-Time Use Passcodes
Identity proofing with knowledge-based questions
Help protect your business from fraud with alerts that help you quickly spot fraudulent identity components that may indicate synthetic ID fraud or identity theft.
FraudIQ™ Identity Score delivers insights on identity linkages and suspicious patterns, helping determine that the customer is who they claim to be. Use these insights and customizable scoring to make critical decisions in real time when spotting potential fraud.
Fraud is an increasing threat to businesses, creating revenue loss and increased costs year over year. FraudIQ™ Manager is an enterprise fraud management solution that helps identify potentially fraudulent activity before it impacts your business.
In this global market, higher education institutions are facing increasing competition and compliance challenges. Many institutions are turning to analytics to maximize strategic outcomes and drive decision making in resource allocation, student success, and finance.
To help you address CFPB expectations while also managing the risk associated with a more inclusive account opening policy, Equifax offers a robust alternative data solution known as Insight Score for Retail Banking.
Equifax Business Value Advisor™ is a robust online valuation tool, that can provide vital information to your prospects and customers about their small business, while also helping to identify high-potential sales opportunities within your client base.
As companies move more and more to a dispersed workforce and centralized HR function, I-9 Anywhere helps organizations onboard remote employees with confidence; increasing efficiency while reducing risk
As I-9 compliance challenges grow, more employers are looking to improve on their process moving forward, but often overlook any risk that might be associated with their historical I-9s. I-9 Audit and Remediation is designed to help you manage that risk.
Transform paper I-9s to an electronic system for better control and security, helping you to improve compliance
I-9 Management offers an automated process, compliance management, and audit preparation through: E-Verify integration, dispersed employee management, paper to electronic conversion, and 'soon to come' audit and remediation tools.
Income360 Household Direct version is now available from IXI Services, a division of Equifax. Marketing campaigns can take advantage of household-level income estimates created without components that could create obstacles for internal compliance requirements.
Income360 from IXI Services, a division of Equifax, is a continuous household-based dollar estimate of income uncapped up to $2.0 million based on both income from wages and income generated from investments. Income360 can be used alone or incorporated into models that include traditional income measures. It provides marketers and analysts with a more reliable estimate of income to improve performance for both direct marketing and online targeting campaigns.
The Work Number delivers an automated income and employment verification solution that streamlines the transfer of information between employers and verifiers, ultimately benefiting the employee by creating a secure and accelerated decision process.
Brochure for independent auto dealer
Overview of InstaTouch ID Mobile Identity Service
InterConnect is a flexible and secure cloud-based platform that converts complex inputs into actionable insights. It delivers streamlined access to diverse data sources, better attribute creation and deployment, easier rules management, stronger analytics and model integration to help you make more consistent decisions and get to market faster.
Cost-effective, quick-to-implement instant prescreen and cross-sell solution
With expert appellate services from Equifax, employers can tap into an experienced, highly-specialized team of representatives who will assist with hearing preparation once a hearing has been scheduled, and also represent your organization at the hearing
Equifax partners with leading providers of consumer marketing lists to help you better reach your optimal prospects as well as to augment your company’s existing customer database. Our list services enable marketers to access key variables for their prospecting and customer marketing efforts.
IXI Services, a division of Equifax, offers a variety of products and services to assist Dealers and OEMs with their marketing efforts. Help fill your lead funnel, enhance CRM systems and predictive models to develop optimal shopper profiles and optimize your website with real-time insights.
Energy companies’ marketing teams can now gain insight on households’ estimated financial capacity, demographics, understand website traffic, and utilize real-time tactical applications at the point-of-service to better understand and communicate with their customers.
Acquire New Policy Holders and Identify High-potential Customers Marketers can now better identify and communicate with valuable customers that are likely to have the financial profile and behavioral characteristics to better qualify for insurance products and services
Go beyond loyalty databases and surveys by linking transaction data with consumer marketing information to help develop guest profiles. Reach more high potential guests that may have the affinity for dining out at your brands with discretionary funds to spend more
Retail marketers can now enhance segmentation efforts to better identify and communicate with valuable customers that are likely to have the financial and behavioral characteristics that match a retailer’s brand, products, and services.
New Metrics to Advance Your Marketing and Help Drive Revenue - Communications marketers want to consider new ways to use consumer insights and data to advance their efforts to acquire new customers, retain their best subscribers, and maximize lifetime value.
Optimize marketing budgets by pursuing consumers more likely to have the financial capacity for travel and leisure activities, plus have the propensity for your brand, products, and services. Augment segmentation frameworks with estimated consumer financial attributes
MLA Covered Borrower Status returns an applicant’s status, giving you the valuable,needed insight to which credit terms you must offer in order to help you quickly proceed with origination and maintain a “safe harbor” as stated in the MLA Final Rule.
All-in-one mobile banking solution for enhanced decisioning
Model Integration Tool allows you to rapidly integrate, audit and deploy custom models and scorecards with simplicity—so you can productionalize your models faster.
The Equifax Model Performance Monitoring application (app), available through the Equifax Ignite™ Marketplace, helps make it easier for you to manage ongoing regulatory requirements by providing data-driven illustrations around model performance that enable you to quickly visualize new and emerging model risk, so you can take faster action to update or revise those models.
A prebuilt app within the Equifax Ignite™ Marketplace, the Model Performance Validation app enables you to immediately visualize and validate how your current risk models are performing against your portfolio, and then compare that to how alternative models might perform.
Learn about membership with the National Consumer Telecom and Utilities Exchange
The federal government mandates that employers report newly-hired and rehired employees to the state in which they work within 20 days. Equifax Unemployment Cost Management streamlines this process for employers by performing multi-state reporting on employers behalf.
PhoneReveal can help enhance your current customer contact strategies by providing phone number type and validity, and identifying if your customer number is a mobile, landline or Voice over IP (VoIP) phone number.
Automotive service providers need a way to improve the lead generation solutions they provide dealerships, OEMs, and auto shopping sites.
Dealerships are looking for ways to accelerate the funding and delivery of vehicles. PowerLead Offer allows dealers to extend a firm offer of credit to consumers that are in their dealership.
What if there were a way to convert online shoppers into pre-qualified leads interested in a specific vehicle? Now you can! PowerLead Qualify™ facilitates the determination of an offer for an auto loan, including credit limit, interest rate and term.
A next generation alternative data risk score powered by Equifax and LexisNexis
A next generation alternative data risk score powered by Equifax and LexisNexis
Help grow your DDA portfolio and increase marketing ROI with a unique suite of models that enable greater precision when identifying household prospects best suited for your products.
The Work Number, a service of Equifax Workforce Solutions, streamlines the transfer of information between employers and verifiers, benefiting the employee-consumer by accelerating the decision process while adding security to the transaction.
Best-in-class data security, governance and insights
Rules Editor helps improve efficiencies and decreases costs by empowering business users integrated technology to easily create, test, and edit rule policies, without the reliance on I.T. resources.
Expertise and proprietary data from Equifax allows communications marketers to better align marketing strategies to both sales and service, helping to improve campaign performance and grow stronger customer relationships.
Expand member relationships and grow revenue with market-specific solutions.
Expertise and proprietary data from Equifax allows energy marketers to better align marketing strategies to both sales and service, helping to improve campaign performance and grow stronger customer relationships.
The Work Number Direct enables employers to process manual verifications on their time, within a secure system, and with full confidence that the party requesting the verification is a legitimate verifier with a valid permissible purpose
Learn about the most common challenges that may be preventing employers from optimizing their unemployment case management program
TotalView from Equifax is a streamlined, economical way to access a broader portfolio of Equifax data sources. Consume more data from a single source. Reduce the time, investment and complexity that was once a barrier to gathering deeper intelligence.
Few restaurants leverage their wealth of transactional point-of-sale data to better understand their customers beyond their dining experience. With TokenIntel from Equifax, marketers can gain a broader understanding of their guests’ estimated financial profiles, attitudes, and demographics, and can transform their data for omni-channel marketing. In addition, by using insights on guests’ household locations, they can make more informed decisions about market potential for new site locations.
Equifax trended data solutions can help by giving you a deeper understanding of consumer financial behavior. Analyzing and trending financial data over a period of time can show you the trajectory of a consumer’s spending and repayment behavior by revealing patterns, or trends, in the data.
Processing claims for more than 6,000 employers nationwide gives Equifax the ability to analyze and identify common process errors that can lead to patterns of failure. Our best practices for 2016 can help employers implement an efficient and effective UCM process.
The nonprofit sector is the third largest employer group in the US, with nearly 11 million employees. Unemployment claims can have an immediate and real financial impact on these employers.
Wage audits are a critical tool for states looking to help reduce improper payments. Yet for many employers, responding to wage audit requests is becoming more cumbersome.
There are a variety of state interpretations on the definition of a pattern of insufficient and untimely claims. This map can help clarify definitions for each state.
Seismic shifts in legislation, philosophy, and funding have created unprescedented changes to employment management in the education sector. Changes can have a trickle-down effect when it comes to separations and managing unempoyment claims and payments.
With the Unemployment Cost Management program from Equifax, employers have access to innovative tools and training libraries to help maximize case management productivity and compliance, while minimizing resource costs and unemployment tax liability.
Unemployment Cost Management from Equifax taps the expertise of our teams and our service heritage to help clients realize maximum efficiency and value from our case management solutions.
For employers, Unemployment Cost Management (UCM) can be really compliated. Equifax puts more than 65 years of experience, our CaseBuilder technology workflows, and UCM management and reporting best practices to work for more than 6,000 employers nationwide.
In 2011, Federal requirements mandated that states enact UI Integrity legislation to help reduce improper unemployment benefit payments. All states now have legislation in place and many are starting to enforce and assess penalties.
The Department of Labor reports that $12 of every $100 in unemployment benefits are overpaid, creating significant unnecessary costs for employers.
Wage audits are a critical tool for states looking to help reduce improper payments. Learn about the penalties associated with each state.
The new Verification Exchange from Equifax leverages the best practices established over the past two decades through The Work Number, the industry-leading verification service in the United States, to deliver the Canadian marketplace a new verification solution
As part of the new Verification Exchange in Canada, an income and employment verification solution similar to The Work Number, Equifax will provide Record of Employment on behalf of employers with Canadian workforce
Verification Services Overview for Auto Dealers
Verification Services Overview for Auto Lenders
IXI’s interactive, web-based platform that empowers firms with customer and market intelligence based on IXI’s and Equifax’ proprietary financial, economic and credit insights. It offers a series of modules that firms can use to address their most pressing challenges, including helping firms to better understand their market position, grow customer relationships, plan outbound campaigns, and build customer loyalty
Improve your WOTC tax credit program through identification, verification, certification, and expansion of additional credits.
See how Hard Rock found success managing ACA compliance with Benefitfocus + Equifax.
See how Jackson Healthcare found success managing ACA compliance with Equifax.
See how Staffmark found success managing ACA compliance with Equifax.
See how Temple University found success managing ACA compliance with Equifax.
See how UPS found success managing ACA compliance with Equifax.
Expertise. Data. Technology.
Insights about your digital presence - Free Trial
End-to-end ACA compliance and benefits solution
BHPH Dealers - See the benefits of reporting your tradeline data to Equifax
See how Equifax Commercial Services can help
Align Sales, Credit and Collections to speed revenue and reduce risk
See how Gordman's found success managing several key compliance areas with Equifax.
Tools that help better protect your customers' identities
G&A Partners has improved UI Compliance
Meet the next generation of ACA compliance management solutions.
Decision 360 Video for Communications
Respond more effectively to data breach events
Help predict future consumer behavior with trended consumer credit attributes
Visualize behavior and market trends
See emerging model risk and take action
Efficiently target, acquire and manage B2B customers
Share this video with your employees to educate them about the 1095
Fighting Fraud and Winning
Tax Credits and Incentives
Segmentation to better market to clients
Providing Hardee's a HR solution center
Technology has bred a new environment
HR Can Make Money for the Company
Access the data you need, when you need it
Insights to help minimize risk and identify new sources of revenue
InstaTouch ID Mobile Identity Service Video
Streamline attribution creation and deployment
Move from strategy to profitable decisions in less time, with less complexity.
Better understand Gen Y credit card use
Integrate, audit and deploy models and scorecards
Reduce the burden of response and meet wage audit obligations
See how Dealer Service Providers can use PowerLead
Delivering Rite Aid with key compliance support
Create, test, and edit rule policies for better decisioning
Help your consumers better understand their credit scores
Processes and innovation deliver
Instant verifications available 24/7
Help optimize member relationships
Supporting compliance for employee's sake
Real-time credit insight to help you cross-sell
The data you need, the way you want it
Automotive Solutions to get you ahead of the market
Maximize your customer interactions
Serve the mass affluent segment
HR and IR benefit with data from The Work Number
Commercial Financial Network (CFN) results in an expanded view of capital
Uncover Hidden Revenue Potential Within your Current Customer Portfolio
Decision 360 Infographic for Communications
Fictional IDs, Real Threats
Are investors of exchange traded funds in your target market? Find out here.
Just completed a merger or acquisition? Get tips to help foster a smooth transition.
What Millennials want, don’t want and the reason they'll pick your card
How to beat your competition to the best customers
Streamlining employment verifications for employers and verifiers
Managing I-9 compliance is complex and the risk for getting it wrong is significant. Download our guide with three basic steps you can take to make your job easier and help your organization comply with Form I-9 requirements.
Usage data for automated employment and income verifications
The Equifax Wage Audit solution is your best solution for wage audit responses
ComplianceConnect can help you meet your KYC and AML requirements
Learn more about subsidies and their impact on both employees and employers. You'll find answers to the most common question like: What is a subsidy? Who should or should not get one? How and when I should appeal a subsidy? How does the subsidy process work?
Using the right data in digital advertising can eliminate wasted spend and be critical in achieving the best results. This ebook offers tips to help marketers make smart use of advanced data, analytics and technology for improved return on their online ad campaigns.
From the moment of first contact through the entire relationship with your business customer, reducing friction and ensuring internal alignment invariably results in a more positive experience for you and your customer.
Small businesses are the golden opportunity for commercial lenders. They represent almost all businesses in the American economy. To grow and thrive, small businesses need access to capital and resources to help sustain their operations and increase revenue.
Learn more about the Work Opportunity Tax Credit, with an overview and research findings that highlight WOTC eligible employees performance. WOTC has multiple benefits, including reducing turnover and increasing income.
A risk-based authentication process can unobtrusively verify the identity of the account holder to guard against fraud without interjecting additional steps.
Comprehensive Fraud Mitigation Solutions Support Consumer-friendly Mobile Device Account Origination
Finding a workable solution to stopping potential fraud requires balancing the competing priorities of optimizing the customer experience, minimizing operating expense, meeting regulatory requirements and mitigating loss.
A data-driven comparison study that reveals how Equifax Dimensions can help businesses drive stronger, more profitable marketing and sales strategies by more accurately targeting high-spend consumers in the market.
Identifying the Emerging Affluent to Start Lifelong Relationships - A Financial Marketer's Guide to Mass Affluent Millennials
A deep look at the Millennial generation and how its financial profile differs from prior generations, how different groups of Millennials differ from one another, and some of the best tactics finanical marketers should employ for reaching this generation.
Requiring both patients and providers to verify their identities before allowing access to online information helps securing patient PHI.
The security and privacy of patient health information is a top priority for the healthcare industry.
Accurate and complete patient personal and health information is required for improved patient safety, more effective patient engagement, and reduced healthcare costs.
To Help you cut through the hype, here are 10 takeaways on how Credit Unions can leverage Big Data for fraud mitigation
Learn about the often overlooked unemployment tax issues that should be considered in the M&A transaction management process.
Institutes of higher education face a number of distinct challenges when onboarding new employees. Learn about best practices implemented by University of Florida and Northern Arizona University.
Five Barriers to Effective B2B Credit Risk Management — and How to Transcend Them
Synthetic ID fraud is becoming the go to tactic for highly organized fraudsters. How can organizations identify this fraud and mitigate the risk more effectively.
Effective Fraud Mitigation Solutions to Help Combat the Next Generation of New-Account Fraud
As the industry leader in ACA compliance, Equifax is helping clients manage eligibility, affordability, and IRS reporting for over 41 million employees. Download our resource to identify all 10 challenges and learn how your team can over come them. Throughout the process of onboarding hundreds of clients, we have noticed 10 common ACA compliance challenges.
Getting a “Big Data” view of anything is just a means to an end. For fraud fighters, a major goal is reducing fraud losses.
Data-driven research that illustrates the significance of applicant verification on auto loans and provides greater understanding of borrower behavior and auto loan performance.
In 2009, with unemployment rates nearly double historical norms, UI benefit payments increased significantly and reached an annual high of nearly $80 billion. The effects of this recession continue to impact the unemployment reserves.
Understand how U.S. investment habits have changed from before the Great Recession to December 2014. Learn more about who holds the wealth, portfolio allocation patterns, and risk profiles for U.S. investors and what it means for financial companies today.
Travel marketers use segmentation & insights to better understand customer & prospect purchase history, location and lifestyle habits. Segmentation can assist in the identification of frequent US travelers and improve messages for more effective marketing programs.
Learn how a global freight, shipping, logistics and supply chain management company found the efficient ACA subsidy management and appeal solution it needed from Equifax.
See how reliable results and streamlined process help mitigate regulatory and reputation risk
With its strong reputation for supporting customers and the community, ACE Loans wanted an optimized process that enabled them to remain customer-focused and make smarter, faster point-of-sale decisions. The lender found what it needs in Equifax BusinessConnect.
Jackon Healthcare improves ACA compliance through a cutting-edge analytics platform from Equifax.
Enhancing existing segmentation systems with estimated consumer spending measures can help identify households that are more likely to have the financial ability to purchase travel and timeshare offerings and help improve campaign efficiency.
A financial services institution recovered $2.4M in employment taxes with help from Equifax
I-9 management case study - Top Bank implements electronic I-9 and reduces compliance risk and produces positive brand
A national restaurant chain consolidated two predecessor legal entities into a third legal entity and recovered $700K in employment taxes with help from Equifax
A long-term healthcare facility finds an efficient, flexible solution to help automate and customize their new hire onboarding process
A provider of equipment leases needed a way to more appropriately price its' short term loans based on lessee risk. Turning to Equifax for its' small business data and analytical expertise, the lender has achieved impressive results.
Top 30 bank improves customer insight and service with faster access to the latest data
Learn how one of the nation's largest health systems achieved their compliance goals, reduced costs, and relieved significant administrative burdens for their HR Staff.
Unemployment Cost Management service from Equifax helped Employer Advantage, a Professional Employer Organization (PEO), manage its clients’ unemployment claims in a more cost-effective manner, with improved lead times and process efficiency.
A national financial services company wanted to enhance their risk models to improve their ability to identify consumers who are more likely to default. They needed a solution to help better identify consumers that pose a possible default risk.
Equifax Dimensions helps companies target the best consumers that will actively use their revolving cards
A credit card provider needed to better identify consumers who would be active on a revolving account in the next 12 months to improve targeting precision and appropriate marketing spend.
A national credit card provider wanted to increase acquisition profitability by improving the way they targeted active customers. They needed a solution to better target customers more likely to take positive action while delivering a better marketing ROI.
Equifax Dimensions Helps Increase Revenue by Supporting More Precisely Targeted Balance Transfer Offers
A national credit card company wanted to increase revenue by targeting consumers who are more likely to transfer a balance greater than $500 over a 12-month timeframe. They needed a solution that could help precisely target the best candidates for balance transfer offer.
A national lender wanted to hone the focus of their marketing spend and better identify consumers likely to open a first mortgage in the next 12 months.
Equifax Dimensions Helps Target High-Value Customers to Increase Revenue and Improve Marketing Success
A national bank wanted to build more market share and also proactively target consumers more likely to be high spenders in the next 12 months. They needed a solution to more accurately predict propensity to spend while creating profitable returns on marketing investment.
Equifax Dimensions helps target the best consumers for a credit line increase to drive more organic growth
A credit card provider wanted to improve their ability to identify consumers who were best positioned to receive a credit line increase (CLI) of $1,500 and not go delinquent in the following 6 months.
With teams making credit decisions across disparate locations and platforms, Adecco faced challenges in managing risk across its customer base. With the help of Equifax BusinessConnect, the company achieved rapid growth from better connectivity and customer visibility.
Equifax InterConnect™ and Fraud Advisor™ effectively prevent fraud losses and improve Fraud Department investigations
Learn how Hard Rock has been able to improve employee engagement in benefits, reduce its risk and slash administrative tasks related to ACA compliance, while freeing up resources and helping control healthcare costs.
Increase the efficiency of your campaigns! Cruise marketers can apply consumer spending measures to life-stage/income segmentation systems to better identify prospective and existing cruisers that are more likely to have the discretionary funds for premium offers.
By using economic insights, retailers can better identify high-potential households who are likely to have purchase affinity. Retailers can use insights to better define audiences for marketing campaigns and help improve the efficiency of their marketing efforts.
Retailers can score their customer files with IXI’s estimated spending capacity measures to help better differentiate customers by their spending trajectories, quickly apply focused strategies to high-potential new customers, and adjust loyalty program members.
Learn from a top 25 financial services organization defined and found success using our I-9 Management solution
An auto manufacturer and its captive financing arm needed to provide insight to dealers on the target audience of a new model to ensure effective sales. The captive auto lender worked with the IXI™ Services division of Equifax to provide dealers with likely financial capacity and demographic information for consumers interested in a new electric model and was able to convince dealers that the financial investment was worthwhile and confirm that interested consumers were a good fit.
Lennox needed a more consistent and connected process for reviewing and approving customers and recovering debt. The company achieved this and more with the help of a world-class credit management solution from Equifax.
Nationwide Fortune 500 Company Leverages PhoneReveal from Equifax as a Powerful Tool in its TCPA Risk Strategy
ACA Compliance on Autopilot
I-9 and WOTC integration that pays for itself
To launch its new Small Business banking division, Opus Bank wanted a commercial data provider with the same ‘relationship’ approach to business, as well as the strong mix of industry exclusive data and advanced technology that came with Equifax BusinessConnect
Shell implemented Unemployment Cost Management, Employment Verifications, W-2 Management and Paperless Pay from Equifax
View a visual case study that illustrates how one of the nation's largest health achieved their compliance goals, reduced costs, and relieved significant administrative burdens for their HR Staff.
A financial services institution recovered $2.4M in employment taxes with help from Equifax
Hear our legal and workforce experts discuss the delay, what you should be doing now to prepare, and how you can ensure compliance for 2014 and beyond.
During this webinar, we’ll draw upon our experience helping hundreds of employers manage ACA to share the top 10 things that you need to know to ensure success in 2016.
Join us to hear more about the impact that the ruling will have on employers. We’ll also discuss the complex processes involved in ACA management and best practices around: Data management, IRS reporting, subsidy notifications and more.
Join the Equifax ACA experts as they reveal the top 10 things that employers must know NOW about ACA 1094/1095 reporting and share best practices for avoiding compliance roadblocks.
During this webinar, we'll provide an overview of the subsidy application and appeal processes and how this can translate into IRS fines down the road.
Join Intuit®, the provider of TurboTax® software, and Equifax Workforce Solutions, a leading provider of ACA compliance solutions, to learn more about their experience with tax reporting for ACA and hear best practices to prepare for the new requirements.
Learn more about the importance of the ongoing management of your ACA strategy and how certain industries will need to address their unique challenges in the years to come.
Legal expert Tom Dowling of Stinson Morrison Hecker and workforce expert Mike Psenka of Equifax Workforce Solutions discuss best practices for the ongoing management of your Affordable Care Act (ACA) strategy. This webinar took place on April 17, 2013 prior to any additional legislative updates.
Jeff Taylor of Equifax and Rachel Stevens of Staffmark walk through the “nuts and bolts” of the subsidy process, explain options available to employers when receiving Marketplace notices, and share best practices on handling subsidy appeals. Stevens also shares how she is successfully managing the subsidy process and handling delicate communication with employees whose subsidies are appealed.
Watch this on-demand webinar to learn best practices for Communications Service Provider marketers, including Best Practices in Customer Lifetime Value. Communications marketers can better leverage their wealth of in-house customer data by enhancing their Customer Lifetime Value (CLV) modeling for use in customer engagement marketing activities. Equifax can help clients take advantage of their customer data, enhanced with economic data, to create more comprehensive Customer Lifetime Value calcul
Best Practices Being Leveraged to Facilitate Compliance with QM Ability to Repay Requirements Specific to Home Equity Lending
Rosie Biundo and Craig Leabig, two senior experts from Equifax, discuss best practices being leveraged by 1st mortgage originators to facilitate compliance with QM/Ability to Repay Requirements.
Speakers address key access rules for payroll card compliance, a state-level analysis of electronic paystub regulations, privacy issues related to payroll cards , and recent statistics related to savings from paperless pay.
Join CU Direct and Equifax to learn how credit unions can compete more effectively in today’s automotive lending environment. To thrive in this market, you need to find profitable new members, efficiently close more deals, and increase your competitive position.
Chad Richter, a leading labor attorney with Jackson Lewis, reviews key compliance challenges employers face in 2014.
A leading immigration attorney at Ogletree Deakins provides an overview of the comprehensive immigration reform bill passed by the U.S. Senate, with special emphasis on the potential impact on employers.
A Multi-Layered Approach
View our discussion on economic trends in the mortgage industry and the impact for credit unions.
Decode IRS reporting and subsidy management for the ACA. See examples of complex employment scenarios and how they play out in terms of 1095-C reporting. Learn best practices for data collection and management, form 1095-C distribution, and subsidy appeals management.
Often businesses overlook 'hidden' tax credits, due to a variety of factors. This webinar focuses on federal and state tax credits, applicable to most industries.
During this webcast we will discuss: current economic environment, outlook for federal and state UI tax rates, road to solvency for state UI trust funds, and unemployment cost management strategies.
During this webinar, we’ll share ideas for developing an employee education plan for the Form 1095 and best practices for executing on your plan.
Learn how InterConnect's Rules Editor defines, tests and optimizes business rules and lets users quickly modify or create new rules, develop test data sets for repeated use, and create a more bullet-proof business strategy.
Nancy Miller, Director Unemployment Insurance for Adecco Group North America, discusses best practices for using CaseBuilderTM, a technology for managing the unemployment cost management function.
Hear how one lender cut processing time and improved service.
Join Benefitfocus and Equifax to learn more about the latest ACA updates and how analytics tools, integrated with benefits enrollment technology, can help employers effectively manage a compliant benefits program.
During this webinar, we’ll discuss best practices for preparing your data to populate the forms, registering to e-file with the IRS, filing an extension, and maintaining an audit trail to help with fine disputes down the road.
A panel of experts including Elaine Orler, President of Talent Function Group, discussed the key issues to consider for employers as they plan for an increase in the volume of new hires to onboard.
Though Form I-9 may seem straighforward, it comes with a number of risks attached. Explore how HR professionals in higher education can achieve their compliance goals.
Utilities need more effective ways to assess how they serve consumers for bill payment, deposit strategies and processes. Learn how alternative data and advanced analytics can help utilities drive increased revenue and margins while reducing credit risk and loss rates
The Food & Nutrition Unit Manager for Georgia Department of Human Services discusses measures the state implemented to boost payment accuracy in its Supplemental Nutrition Assistance Program.
Speakers from the Kern County, California DHS discuss the county's use of The Work Number to allow workers to search for and receive employment and income data instantly.
Operations Manager in the Pacific Gas & Electric Payroll Department, talks about how her organization rolled out an automated employment verification system to ease the pressure on its call center and improve standardization of the information given in an employment verification.
A talent acquisition manager from Intuit talks about how the company tackled the compliance issues stemming from executing the Form I-9 for remote employees.
This webinar discusses tips to combat leading fraud techniques including how to bridge silioed data, improve analytic methods, and quickly update models and rules as fraudsters’ tactics change.
Restaurant marketers attended “Ingredients for Restaurant Success” to better understand ways to leverage the wealth of their in-house POS data for marketing activities and enterprise-wide decisions. Equifax can help clients take advantage of their internal data, enhanced with economic data, to create a more comprehensive view of guests and inform better decision-making.
During this webcast we will discuss: common types of workforce restructurings, compliance requirements, unemployment tax rate impacts, ability to carryover wage bases (FICA, FUTA & SUI), "SUTA Dumping" detection and other risks
Tips to help Credit Unions make the most out of their marketing investments
As banks look towards the future, a key part of the plan is better understanding the preferences and needs of their Millennial customers and how to identify which of those Millennial customers are on track to become affluent in the future.
Speakers shared valuable insights about the Military Lending Act (MLA) background and the new requirements associated with the MLA Final Rule starting October 3, 2016.
As employers are well aware, time is not on their side at this point – especially if they have not begun putting a process in place to prepare for IRS Reporting. Join our experts as they discuss navigating the murky waters of IRS reporting for the ACA.
Two officials from the New York State Office of Temporary and Disability Assistance (OTDA) discuss using The Work Number to assist with eligibility determinations, reduce case workloads, maintain program integrity, and determine program eligibility.
Learn about the impact of employee transfers/relocations on SUI taxation, including: when out-of-state (OOS) wage credits are allowed, financial benefits of taking credit for OOS wages, states that do and don’t allow OOS wage and state-specific compliance requirements.
With a better understanding of 1095-C forms and a thoughtful employee education plan, you can set your organization up for success in piecing together the ACA puzzle. Join the expert ACA team from Equifax to discuss the impact of the new regulations and Administration on ACA, tips for preventing form 1095 errors and minimizing corrections, ideas for developing a plan to get ahead of employees’ 1095-C confusion, and strategies for handling sensitive subsidy appeal discussions with employees.
This podcast discusses CLV and Customer Equity. Better leverage in-house customer data by enhancing Customer Lifetime Value (CLV) modeling for use in customer engagement marketing activities.
Equifax can help clients take advantage of their internal data, enhanced with economic data, to create a more comprehensive view of guests and inform better decision-making.
This podcast presents ways for restaurants to leverage their in-house POS data for Customer Engagement marketing activities and enterprise decisions. Real-world examples of Best Practices are highlighted.
Equifax can help clients take advantage of their internal data, enhanced with economic data, to create a more comprehensive view of guests and inform better decision-making.
Make more informed decisions with economic and consumer credit insights from Equifax
Chief Economist Amy Crews Cutts delivers insights that can help drive strategic growth at your organization. During this webinar, Amy will discuss: • U.S. Economic Overview • U.S. Consumer Credit Trends • Special Report: Recession Outlook Whether you lead Credit Risk, Corporate Risk, Strategy & Planning, or Marketing, you will gain valuable economic and consumer credit insights to help drive strategic growth.
This webinar discusses ways that retailer marketers can work towards a “retail nirvana” – defined here as improved customer engagement through a 360-degree view of their customers and prospects. Many Equifax clients have used syndicated segmentation frameworks to leverage in-house and third-party data and help implement best practices, overcome departmental silos and better utilize their internal data.
Retailers - Leverage actionable segmentation data and market more effectively to your customers. Hear Best Practices in this IXI Services podcast.
With our partner, ProviderTrust, a comprehensive, healthcare-centric new hire onboarding solution is finally here! See how our Compliance Center for Healthcare’s integrated LnC solution set can help your organization.
Watch this webinar on-demand to learn more about ACA subsidies, including: How the subsidy notification and appeal process works, real-life examples of challenges that employers have faced, best practices learned from processing subsidies for Equifax clients, how Equifax reduces the administrative burden and compliance risk associated with subsidies, and suggestions for educating and communicating with employees about subsidies.
While many employers believe they do not have to worry about IRS reporting for the ACA until 2016, the reality is that they must begin preparing in January of 2015 in order to file in 2016. Join us as we break down IRS reporting for the ACA.
The speakers address how the changes to the Form I-9 will affect your hiring procedures and how you can take steps to improve I-9 compliance overall.
During this webinar, we'll provide an overview of employers' lessons learned during the first year since the Employer Mandate took effect and how organizations can apply that insight moving forward.
The Telephone Consumer Protection Act (TCPA) is prompting more litigation, and particularly class-action litigation, than ever before. TCPA lawsuits are frequently settled in the millions of dollars. Therefore, strict compliance with all relevant TCPA rules is critical to any business that contacts consumers through telephone technology.
The presentation focuses on significantly increasing employers' ability to identify additional eligible Katrina WOTC credits by using Equifax proprietary data assets to verify additional eligibility, isolate the individuals not previously captured, and recover those tax savings for your organization.
Application fraud and account takeover are rapidly rising in the U.S. and many FIs financial institutions are scrambling to deploy mitigating controls. At the same time, the rising bar of customer expectations is pressuring FIs them to remove friction and increase functionality to create seamless digital experiences for their customers.
Join the team of Equifax Workforce Solutions ACA experts as they discuss the importance of handling subsidy notifications correctly and what can happen if things go awry.
What sets the most effective organizations apart when it comes to securing the maximum value from Work Opportunity Tax Credit (WOTC) programs? A group of HR, tax and compliance professionals discuss their best practices.
The Telephone Consumer Protection Act (TCPA) is prompting more litigation, and particularly class-action litigation, than ever before. Strict compliance with all relevant TCPA rules is critical to any business that contacts consumers through telephone technology. Review these tips to help you manage your consumer contact strategies.
Effective risk-detection solutions must be robust enough tohandle both increasing volumes of pertinent data and savvy criminals. Learn whether your fraud detection solution has the key capabilities you need to reduce losses and improve operational efficiency
Get our toolkit of valuable resources to help educate employees on ACA Form 1095, including a communication plan, email templates, a poster, FAQs, and more.
Get the Equifax ACA Subsidy Toolkit for Employers for access to valuable resources to help you manage subsidy appeals, including: - An ACA subsidy FAQ document for employees, - A sample employee education poster, - A best practice guide for benefits and HR staff, and - An ACA subsidy process road map.
Tactics, tools and real-life brand case studies that show advertisers how they can use additional data sources to help improve their online advertising campaigns.
BusinessConnect™ Offers a Unified Customer Lifecycle Management Solution for Organizations
SUI tax rates change year-over-year based on such factors as employer-specific experience, M&A activity, benefit payment inefficiencies, and overall economic conditions.
For SUI tax purposes, employers engaged in M&A transactions must adhere to the SUI tax provisions in each taxing jurisdiction, based on each unique set of facts and circumstances.
Decision 360 Brochure for Communications
What to tell employees and when
Examples of emails that can be sent to employees during specific months to educate them about the 1095.
Frequently asked questions and answers that can be shared with employees about the 1095.
An educational insert that can be mailed with the 1095 to each employee.
A poster that can be used in high traffic areas to educate employees about the 1095.
A Guide To Fraud Detection Solutions and Best Practices
Equifax InterConnect is a secure, cloud-based decision management platform for defining and executing decision policies at the front line. It provides a streamlined technology platform for developing powerful decisioning strategies based on easy accessibility to robust data and transparency in consumer acquisition.
The increasing demand for mobile access to banking transactions and other e-commerce activities will likely result in system weaknesses that fraudsters will try to exploit.
In February of 2016, New York SUI tax rates will be issued. Their issuance will create three potential savings opportunities for employers: voluntary contributions, joint accounts, and negative write-offs.
Learn about a recent SUTA dumping case and the outcome.
The time gap between when rates can be determined and when rates are actually issued presents a challenge for employers.
Other than a slight decline in calendar year 2013, M&A activity in the U.S. has been trending upward since the Great Depression.
The amount of SUI taxes paid by an employer depends on a variety of factors including economic conditions, an employer's hire/fire practices, the number of claims, and the amounts of benefits.
M&A can significantly influence an employer's SUI tax rates. This month's issue focuses on TOE when an organization undergoes a change involving the movement of employees from one legal entity to another.
SUI tax rate risk can be broken down into two primary components, those that employers can control and those that employers cannot. Learn more about the factors employers can control.
The eBook, Straight Talk from the Next Generation of Credit Card Customers, discusses what Millennials want, don’t want and the number one reason they’ll pick your card over others.
Subprime auto loans seem to be an all too easy target these days. An increased negative media focus on some worst-case scenario situations has drawn criticism to an industry that—rather than a pointed finger—deserves some recognition for weathering the storm of the Great Recession, and ultimately helping to pave the way for our recent economic recovery.
The California Zone Program was repealed as of January 1, 2014, however many zone offices have chosen to close their doors before December 2014 deadline.
The Pursuit of Profitability takes a look at the Great Recession, discusses the path of economic recovery, and presents changing financial behaviors that emerged post-recession. The eBook shares practices to help win Affluent and Mass Affluent households.
Savvy financial marketers are swapping mass mailers and generic cash incentives for more personalized and precise consumer-driven strategies.
As the industry leader in ACA compliance, Equifax is helping clients manage eligibility, affordability, and IRS reporting for over 41 million employees. Download our visual guide to identify the top ten challenges employers face in 2017 and learn how your team can be prepared.
The ability to effectively target offers and foster loyalty is contingent on successfully predicting consumer behavior and spend. Trended, historical, longitudinal or time-series data is an invaluable tool for gaining practical perspective into consumer behavior.