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Consumer Credit File

Make more accurate credit decisions with robust consumer credit data
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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 

How It's Used

1
Deeper Data Up Front

Access to personally identifiable information for over 245 million U.S. consumers, updated daily from multiple sources.

2
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.

3
Quick Deployment

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

Equifax has Credit Files for 245M+ Consumers and Offers:

Quality
1.6B+ trades updated monthly
Breadth
94% of files have at least 1 trade
Depth
245M+ consumers covered by our data
Product Sheet

Consumer Credit File 

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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Related Resources

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Product Sheet
Consumer Credit File
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eBook
3 Reasons Why Being First Matters
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