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.
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.
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.
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.
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.
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.
A Smarter Way to Authenticate Customers
A real-time check of the devices used in your online business
Fast validation of identity documents via facial matching
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
Eliminate cumbersome, dated tax form distribution processes and create more time for strategic work. Tax for Management from Equifax offers efficient, automated systems for managing employees' tax forms, giving your payroll and benefits departments much needed relief during tax season and beyond.
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.
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
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
See how Equifax Commercial Services can help
Align Sales, Credit and Collections to speed revenue and reduce risk
Meet the next generation of ACA compliance management solutions.
Decision 360 Video for Communications
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
Access the data you need, when you need it
InstaTouch ID Mobile Identity Service Video
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
Create, test, and edit rule policies for better decisioning
Maximize your customer interactions
Checklist: Deepen customer relationships
Enhance your digital marketing programs
Decision 360 Infographic for Communications
Fictional IDs, Real Threats
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.
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.
Five Barriers to Effective B2B Credit Risk Management — and How to Transcend Them
Effective Fraud Mitigation Solutions to Help Combat the Next Generation of New-Account Fraud
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.
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.
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.
A large regional utility company, like other companies who collect and retain applicant and customer data, was searching for the best possible position to help protect and safeguard its sensitive customer information. After considering options, they took a bold approach and completely rid their systems of valuable personally identifiable information (PII). As such, if someone with malicious intent tried to access their systems, there would be no confidential data available.
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
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.
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
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
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.
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
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.
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.
If you keep any Form I-9s on paper, up to 80% of them could have an error. With increased fine amounts and enforcement, learn how to improve your audit trail by conducint a self-audit. Find out how to quantify risks in your paper I-9s, identify and prioritize your high risk I-9s, avoid discrimination and retaliation in conducting a self-audit, and best remediation best practices.
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.
Employers that have a Work Opportunity Tax Credit (WOTC) program often times end up 'leaving money on the table'. Learn how your company can find that money with best practices and insights from our WOTC and job credit experts. And, you may be surprised to discover other benefits from a successful WOTC program (hint: employee retention, workforce insights, and more). *Webinar occurred June 2017
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
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.
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.
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.
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.
A leading immigration attorney leads a discussion on the revised Form I-9, penalties related to Form I-9 non-compliance and what 2017 could hold for employers from an enforcement perspective. She also provides an overview of what to expect regarding immigration reform and worksite enforcement. The webinar also addresses how the form changes have been implemented on the Equifax Workforce Solutions I-9 Management solution and explains how the service uses automation to help drive compliance.
The webinar provides real examples of overcoming Wage Audit compliance challenges from Walmart, Equifax Workforce Solutions and state agency representatives. You will learn how employers, state agencies and TPAs collaborate to reduce employer risk, claim fraud and the administrative burden related to Wage Audits.
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.
There’s a new Form I-9, clues in the recent Department of Homeland Security Budget-in-Brief and Appropriations bill suggest nationwide E-Verify is on the horizon and civil penalties for non-compliance with the Form I-9 requirements are at an all-time high. Are you ready? At this webinar, a leading immigration attorney and I-9 experts from Equifax Workforce Solutions focus on what employers need to know about these trends and more.
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.
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
Optimize customer experience across the customer lifecycle! With superior data, technology & analytical expertise, we help marketers acquire more of the right customers, deepen consumer engagement & loyalty and improve marketing ROI.
-LINK: Create a single actionable view of consumers
-REVEAL: Leverage insights to win & grow customers
-ENGAGE: Engage consumers with the right messages in their preferred channels
-MEASURE: Optimize marketing ROI through continuous improvement
Decision 360 Brochure for Communications
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.
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.
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 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.