Consumer Credit File

Make more accurate credit decisions with robust consumer credit data

A Better Foundation For Risk Evaluation

Lenders and service providers are looking for quick decisions and improved lending experiences. But to make accurate risk decisions and ultimately approve more loans, lenders need quality, up-to-date credit data. Leverage Equifax credit file data to grow your business as you:
  • ​​​​​​Target best prospects for customer acquisition marketing
  • Mitigate the impact of high-risk applicants
  • Focus collections efforts
  • Apply scorable decisions to 97% of the credit eligible U.S. population (add disclaimer)

How It's Used

Deeper Data Up Front

Access to personally identifiable information for over 222 million U.S. consumers, updated daily from multiple sources.

Flexible Decisioning

Get a jump start on risk with credit decisioning with credit file at the center. Then layer in alternative data from cell phone, short term loans, and pay TV payments.

Quick Deployment

Hit the ground running with access to APIs and cloud technology. All with the security you expect.

Equifax has Credit Files for 22M+ Consumers and Offers:

1.6B+ trades updated monthly
94% of files have at least 1 trade
Card 3 Description
Product Sheet

Consumer Credit File - Product Sheet

Access to credit keeps everyday life moving forward for consumers. And they expect you to move fast in the process. Which means you need to quickly assess risk to make real-time decisions, in addition to providing a consistently positive experience and the best terms.

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First Matters

Three reasons why it helps to have Equifax in the primary position.