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Consumer Engagement Suite

Equifax’s Consumer Engagement Suite helps businesses build trust and loyalty by giving consumers access to their credit score, financial information, and tools that support long-term financial well-being.
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Empower Customers Through Credit Insights

The Equifax Consumer Engagement Suite is a set of four powerful APIs — Credit Reports, Credit Report Monitoring, Credit Scores, and Optimal Path — designed to help businesses deliver personalized credit and financial information directly to their enrolled consumers. By enabling access to credit scores, reports, and actionable tips to help consumers meet their financial goals, businesses can foster consumer well-being, deepen engagement, and stand out in a competitive marketplace. Whether you’re a fintech, financial institution, or employee benefit provider, this toolkit is a strategic way to build trust and empower your customers through financial education.

Strengthen Customer Connections
Empower informed borrowing to build trust, enhance loyalty, and create stronger, data-driven connections with your customers.
Unlock Credit Score Insights
Leverage historical VantageScore® data to track trends, reveal patterns, and better understand credit behavior over time.
Enhance Targeting with Consumer Insights
Use insights from enrolled consumers to refine targeting strategies and deliver more relevant, effective product offerings.
Empower Financial Progress
Help consumers reach financial goals with data-driven support and insights. 
Invest in Employee Financial Wellness
Support long-term retention with unique credit-focused benefits that promote financial wellness and employee satisfaction.
Expand Your Reach with Consumer Insights
Expand access to your credit-eligible audience using data-driven insights into diverse consumer types.

Better Financial Decisions Across Industries 

Our solutions enable organizations across sectors to promote financial wellness and drive meaningful engagement. Financial institutions can support long-term customer success by offering tools that help individuals monitor and support their credit health. Fintech firms can leverage Consumer Engagement Suite to personalize guidance, empowering users to make smarter financial decisions. For employee benefit providers, offering credit insights is a valuable first step in helping employees build a strong foundation for financial wellness.

Financial Institutions

Focus on customers' financial health to ensure long-term success by providing resources to manage their credit health.

Fintech Firms

 Use credit score data to personalize financial solutions and advice, helping customers make better choices.

Seamless Integration, Engaging Consumer Experiences

To get started, the partner visits the Equifax Developer Portal and selects the Consumer Engagement Suite (CES). From there, they integrate one or more API solutions within CES —  customizable to match their brand. Once integrated, the partner enrolls consumers into selected features. Enrolled consumers can then log into the partner’s website to access and interact with the tailored solution, creating a smooth and engaging user experience.

Drive Loyalty with Trusted Financial Tools

With 80% of consumers wanting help with financial health — and only 14% feeling supported — businesses have a unique opportunity to fill the gap. The Consumer Engagement Suite gives your customers the credit score and financial information they need to make better choices, while positioning your brand as a trusted partner in their financial journey. The result? Stronger relationships, higher engagement, and increased product adoption.

Frequently Asked Questions

Yes, security is a top priority. The Suite employs robust measures to protect sensitive customer data, and Equifax's secure data storage eliminates the need for you to handle this directly.

The Consumer Engagement Suite helps businesses deepen customer relationships and foster trust, attract new customers and increase engagement, personalize financial solutions based on credit insights, and stay ahead of the competition with innovative features. It also helps businesses empower consumers to track their progress and make informed financial choices, and eliminates sensitive data storage challenges for partners.

Industries that benefit include:

  • Financial institutions
  • Fintech firms
  • Employee benefits providers

Credit Scores: Allows consumers to gain direct access to their credit scores within a provider's portal or application.

Credit Reports: Enables consumers to obtain their credit reports directly within a provider's portal or application.

Credit Report Monitoring: Sends alerts to consumers about changes in their credit reports.

 Yes, the Suite offers flexible data delivery options. You can choose scheduled recurring delivery or on-demand access to credit reports and scores, depending on your business needs and customer preferences.

  • Single-bureau and Multi-bureau Alerts: New Inquiry, Address Change, New Collection, Existing Collection Change, New Account, Existing Account Change, New Bankruptcy, and Existing Bankruptcy Change 

  • Single-bureau Alerts (Equifax only): Name Change, Blocked Inquiry, Score Monitoring, Credit Limit Monitoring, Balance Monitoring, and Telco & Utility Alerts.
Product Sheet

Optimal Path™

Optimal Path™ offers a personalized, AI-driven solution that helps individuals achieve their specific credit score goal. Financial institutions can easily incorporate it into their consumer offerings.
Integrate Optimal Path™ Today

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Credit Score Coach™
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The Digital Tools for Financial Wellness: Elevate your business with innovative financial solutions
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Empowering Financial Wellness at Work
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Connecting is the Key To Success for Financial Institutions
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Related Products

Credit Report Monitoring is an integral pillar of the Consumer Engagement Suite. The Monitoring API keeps customers informed in near real time about critical changes to their credit profiles, while Optimal Path converts those insights into tailored, actionable credit improvement plans. Together, they transform your consumer experience from static reporting into a dynamic, guided financial journey — strengthening engagement, trust, and customer loyalty.

Optimal Path™
Optimal Path uses AI to deliver personalized, actionable credit improvement tasks with estimated score impacts. Designed for lenders, fintechs, and employee wellness programs, it helps consumers reach credit goals while enhancing engagement and reducing operational burden
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Consumer Engagement Suite
Equifax’s Consumer Engagement Suite helps businesses build trust and loyalty by giving consumers access to their credit score, financial information, and tools that support long-term financial well-being.
Learn More
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Unlock Deeper Customer Connections

Empower your brand with data-driven insights and targeted engagement to grow stronger, lasting relationships with customers.

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