DataX Credit Report

Bring more borrowers into view with non-traditional credit data

Product Overview

To stay ahead today, you need to find opportunities that your competitors are missing. One way to do that is to gain greater insights into consumers who have thin credit files, and non-prime consumers who have the potential to become profitable customers.

DataX is an FCRA governed specialty CRA and was created to help you uncover creditworthy non-prime prospects by looking beyond traditional credit reporting. To accomplish this, this targeted solution incorporates a variety of alternative payment methods including checks, cash, money orders, Automated Clearing House (ACH), and more. The data is inclusive of full header, tradeline, and performance data as well payment data and hundreds of insightful attributes. None of the tradelines are found in the consumer credit file and leveraging both data sources provides a deeper, more accurate, and up-to-date view of a consumer’s financial profile.  

While revealing your best prospects within this untapped audience, DataX helps you minimize risk and maximize performance by providing:

  • Verified data quality and accuracy: All contributors get an audit and report card to ensure the highest quality data.

  • Data freshness: Daily uploads of data confirm accuracy and validity in near-real-time.

  • Flexible file formats: Data is accepted in a variety of formats and delivered to you in API or batch.

  • Faster onboarding: DataX requires very little time and resources to get started, and is easy to implement and get up and running quickly.


Millions of new customers are out there. DataX helps you find them.

By leveraging unique, exclusive access to industry-leading specialty finance and alternative lenders, DataX helps propel you ahead by identifying new prospects and opportunities. DataX gives you a report full of everything you need to make more informed lending decisions, including:

  • Application information

  • Conflict indicators

  • Unique identifiers

  • Tradeline summaries

  • Payment history details


Start ahead and stay ahead with deeper insights into non-prime borrowers. The intelligence you need to uncover creditworthy consumers is waiting for you — with DataX Credit Report from Equifax.

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