Strengthen performance with actionable credit data and advanced forecasting

Product Overview

Exclusive forecasts and analysis of household finances provides insight into how the U.S. and local economies affect consumer credit behavior and performance through a full spectrum of consumer credit analytics services – data, forecasts, alternative scenarios, research and full access to analysts. Combining the unmatched strength of Equifax consumer credit data with proven economic insights from Moody's Analytics, the service covers a wide range of household credit, economic and demographic variables at detailed level of geography.

Consumer lenders can significantly enhance their understanding of consumer credit conditions to improve business performance and risk management. By linking credit performance and origination quality metrics with underlying local economic drivers, offers granular insights and forecasts of performance, volume and quality under baseline and alternative scenarios helps to:

  • Enhance acquisition strategies and improve segmentation
  • Strengthen scoring with deeper predictive insights
  • Improve profit and loss forecasting
  • Lessen risk exposure
  • Boost profitability and revenue

Key features of include:

  • Coverage of all consumer product lines, including auto, card, consumer finance, retail, first mortgage, home equity and student loan
  • Aggregated level data that provides key information including age, income, origination and current risk scores, term of loan, presence of mortgage
  • Baseline forecast and alternative scenarios for stress testing, Current Expected Credit Loss (CECL)/ International Financial Reporting Standard (IFRS 9), and “what-if” analysis
  • Key credit and blended variable not available through any other provider
  • Key credit and blended variable not available through any other provider


For more information or to learn how delivers insights that help drive business strategy, please call your Equifax or Moody’s Analytics account manager or contact us today.

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