Financial Services

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Product Sheets

White Papers

Who's Getting Paid During Subprime Crisis?

When comparing the payment activity of 1.2 million consumers who opened mortgages over a two-year period, Equifax discovered a surprising trend in the payment hierarchy.

Improving Collections Recovery Rates

Equifax studied the degree to which the Employment Indicator separates collection performance within recovery score ranges. Results correlate verified employment with higher collections recovery rates.

Assessing Subprime Financial Risk
Strategies for Effectively Marketing to High Net Worth Customers

Discusses lifestyle and interests of wealthy consumers, and asset and wealth categories for acquisition marketing to this group.

Indirect Lending (APPRO)

Case Studies

InterConnect Online Prescreen

This bank sought a single vendor who could quickly prescreen existing consumers at the point of sale. The solution had to work across multiple platforms and with legacy systems to prescreen for multiple product offers.

Top Card Issuers Success with Predictive Triggers

Credit card issuer was struggling to achieve positive ROI on its direct marketing spend. Equifax implemented a triggered lead gen tool that allowed card issuer to identify best prospects.

Mortgage Broker's Success with TargetPoint Lite

This mortgage broker needed a direct marketing prospecting solution that went beyond the traditional lead generation strategy. With a nominal spend, the broker was able to receive > 8,000 qualified leads per month.

Micro-Loan Marketer Finds Gold in Equifax ValueScore

Because many more lenders are targeting the subprime population, direct mail response has fallen off, making it difficult to build a business around invitation to apply offers.

Automating Account Opening (APPRO)

Equifax empowers financial institutions to acquire more customers, keep them, and expand business with them. Now you can quickly and confidently say "yes" to a credit purchase. You can apply decisioning and business intelligence technology to expand core markets. You can use extensive demographic and lifestyle data to make strategic decisions about new markets. These are just a few reasons why the financial industry has trusted Equifax for more than 180 years.

We are a leading strategic advisor to banks and credit unions – both large and small – on credit applications, consumer loan originations, credit line assignments and more.

Equifax ranked in the "Top 10" of the Fortune 1000 list, Financial Data Services Category.

"30 of the top 50" banks, as ranked by American Banker, use our technology-driven decisioning platforms.

What's the Benefit to Your Business?

Streamline your credit-granting process with up-to-date consumer credit information organized in clear, easy-to-read reports.

Reduce application fraud and improve skip-tracing efforts with access to consumer identification information and employment information.

Utilize the latest technology platforms that help you automate your business processes and decision management tasks.

Access comprehensive analytic/scoring services for enhanced risk assessment — including a team of consultants with extensive industry experience in the design, development, implementation and use of custom and generic modeling and scoring.

Isolate qualified prospects by accessing our leading databases, rich with lifestyle and demographic selections and robust credit data.

Improve direct marketing campaigns and increase ROI.

Why use Equifax

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