86 Articles
Data-Driven Marketing A Divided Economy is Reshaping Consumer Spending

Today's K-shaped economy makes average consumer targeting less effective. Use real transaction data from Equifax Spending Insights to reach [...]

Consumer Credit Conquer K-Shaped Consumer Risk: 5 Questions to Answer to Unmask Decision In ...

Protect your lending portfolio from K-shaped economic risk. Learn how Equifax Risk Decision Intelligence layers alternative data to uncover [...]

Credit Risk The Tri-Merge Standard: Decades of Consistency and Risk Mitigation

Discover why the Tri-Merge credit report remains the foundation of security and stability in the U.S. mortgage market, mitigating risk and e [...]

Alternative Data How AI and Real-Time Data are Reshaping Small Business Lending

Discover how AI and real-time data are revolutionizing small business lending, cutting credit check times from hours to minutes and enabling [...]

Data-Driven Marketing The New Standard for Higher Ed Outcomes: Proving the ROI of a Degree with A ...

Higher education institutions can now prove the ROI of a degree using reliable, longitudinal anonymized financial data from Equifax Ignite f [...]

Alternative Data How an AI-Powered Personal Finance Platform is Putting Equifax Data to Work ...

See how the Equifax and Kikoff partnership uses AI and non-traditional data—including retroactive rent reporting—to bring 76 million credit- [...]

Market Trends April Market Pulse Q&A: The Experts Answer Your Questions on Economic Trend ...

Get expert answers on economic trends, consumer credit stress, the K-shaped economy, supply chain disruptions, and forecasting credit losses [...]

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Credit Risk The Future of Credit: How to Balance Speed and Risk for Real-Time Lending D ...

Discover how real-time analytics and alternative data are transforming credit risk assessment. Balance lending speed with risk mitigation, s [...]

Market Trends The Lower Arm of the K-Shaped Economy: Understanding the Resilient Strivers ...

Uncover the "Resilient Strivers," the lower arm of the K-shaped economy. Learn how they navigate the "Silent Squeeze" and why traditional cr [...]

Credit Risk From Willingness to Ability: Why Consumer Affordability Is the New Pillar o ...

Understanding a consumer’s ability to take on additional debt responsibly has never been more accessible with the introduction of Consumer A [...]

Market Trends From Thrivers to Strivers: What the Q4 2025 Market Pulse Index Report Revea ...

Discover the K-shaped economy with the Q4 2025 Market Pulse Index. Learn about the rise of Thrivers and Strivers, the Gen X 'Silent Squeeze, [...]

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Credit Risk Why Mortgage Lenders Should Test VantageScore 4.0 Now: A Data-Driven Look a ...

Discover how VantageScore 4.0's approval by the FHFA is transforming mortgage lending with up to $1B in projected savings and a 10% increase [...]