Data Assets
Consumer Data
Explore comprehensive consumer credit data only Equifax can provide
No One Knows Your Customers Like We Do
245M+
people covered by our collected consumer credit data
400K+
income and employment verifications processed by Equifax every single day
90%
of Americans covered by our telco and utility data
Equifax Consumer Data Types
Consumer Credit File
Consumer credit data is the foundation of responsible lending.
With our comprehensive database, you can access the credit files of over 245 million U.S. consumers — updated daily from multiple sources — and apply scorable decisions to 97% of the credit-eligible population.
Consumer Attributes
Uncover new customers and enhance your decisioning by tapping into the industry’s largest and most powerful credit attribute portfolio.
Leveraging 7,000+ attributes, covering 60+ industries, these alternative-data-driven insights deliver an in-depth consumer view only Equifax can provide.
Multi-Data Score
Get the best of traditional and alternative data in a single score. OneScore from Equifax delivers industry-leading insights to expand credit access and drive growth.
When paired with traditional credit data, OneScore helps lenders score 21% more consumers and approve 15.5% more applicants — without increasing risk.
Telco and Utility Account Data
Many consumers with little or no credit history may have positive payment records in other areas.
Payment Insights from Equifax puts telco and utility data for more than 90% of the U.S. population at your fingertips. And with histories updated in near real time, this solution delivers a more complete consumer view to help you make the best lending decisions possible.
Employment and Income Verifications
Get secure, rapid access to over 641 million employment records with The Work Number® from Equifax.
Through The Work Number, HR professionals, lenders, government agencies, and more can quickly and reliably confirm the information of prospective applicants — to make smarter decisions with confidence.
Bank Transactions and Investments
Leverage consumer-permissioned bank account and transaction data to expand access to credit with Cashflow Insights from Equifax.
Incorporating data on 99% of bank transactions from 21,000+ global providers, Cashflow Insights helps increase credit card approvals by 8.2%.
Specialty Finance Data
Traditional credit reports provide valuable insight into consumer finances — but they can’t always tell the full story.
The DataX Credit Report from Equifax incorporates data on alternative payment types like cash, checks, money orders, and more. So you can uncover more prospects among thin-file or credit-invisible consumers.
Asset and Wealth Data
Get a complete view of the liquid assets of nearly every U.S. household with WealthComplete® Premier from Equifax.
Available exclusively to IXI Network member firms, WealthComplete Premier delivers industry-leading insights into share of wallet and asset allocation — helping you enhance consumer targeting and reach your strategic goals.
Developed for use in non-FCRA applications and without protected-class demographics.
Demographic and Segmentation
Delivering the right message to the right audience is key to a successful marketing strategy.
Our portfolio of digital targeting segments helps marketers effectively identify customers based on their financial capacity, spending behavior, propensity to purchase, and more — to tailor offers and put your resources to best use.
Developed for use in non-FCRA applications and without protected-class demographics.
Financial Capacity and Durability
In today’s shifting financial landscape, lenders need strategies that support long-term success.
Our financial durability measures help segment consumers by ability to meet financial obligations — even in times of financial stress. That means marketers and risk managers can build effective strategies for any economic environment.
Developed for use in non-FCRA applications and without protected-class demographics.
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Recommended Products
Cashflow Insights
Leverage consumer-permissioned bank account and transaction data to expand consumer access to credit
Consumer Attributes
The industry’s largest, most powerful portfolio of credit attributes delivering enhanced predictability and performance
Consumer Credit File
Make more accurate credit decisions with robust consumer credit data
Credit Trends
Build flexible market strategies with comprehensive consumer credit perspectives
DataX Credit Report
Bring more borrowers into view with non-traditional credit data
OneView
Rethinking credit: The new standard in credit insights delivery
Payment Insights
Consumer-permissioned utility and telco data to help lenders gain a more comprehensive view of consumers' financial picture