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CreditMix™

CreditMix enables firms to better determine the market size and their share of outstanding consumer credit within their target markets. With CreditMix, firms can gain insight on the consumer credit health within custom or standard geographies.
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Assess Market Size by Credit and Understand Your Share

With CreditMix, banks, credit unions, lenders, and other financial services firms can evaluate their target markets by outstanding credit — in terms of market size, market share, and credit health. CreditMix can also be used by firms to gain insight into their performance in capturing credit within desired markets and evaluate markets by capacity to pay, financial stress, and credit activity.

CreditMix data is based on aggregated total outstanding credit. Data offered by CreditMix shows both the number and credit balance for hundreds of credit variables including mortgage and non-mortgage categories, mapped and broken down to custom or standard geographic regions.

Based on Extensive Credit Data
Insights represent likely market-level credit held by nearly 100% of all active consumer credit users.
Assess Market Size and Share
Better determine market size and share of total outstanding credit behavior and find markets with the most opportunity.
Comprehensive Credit Metrics
Understand likely market-level credit allocation and explore credit across 41 account types with over 200 credit metrics.
Choose your Geography
Your choice of custom region or standard geography down to census block group or zip code.
Aggregated Data
All data is aggregated to protect consumer privacy and can be used for non-FCRA applications.
Gain Credit Insights
Visualize how financial shifts affect customer segments and better understand consumer credit health.

Enhance Market Analysis with CreditMix

Use CreditMix to better understand market demand for credit products and find opportunities to expand marketing efforts.

Evaluate Markets by Credit Accounts and Balances

With CreditMix, you can visualize the number and balance of many credit types across custom or standard geographic regions — such as the data for new credit card accounts within Philadelphia ZIP Codes.

Analyze Your Market Performance in Capturing Credit

With CreditMix, companies can gain insights on credit use by region and better understand the consumer credit health within target geographies. Because CreditMix data relies on a foundation of estimates of credit usage at the household level, insights are likely to be more accurate than measures that rely on credit use for individuals that have joint or shared accounts (i.e. a mortgage) which may sometimes overestimate credit use.  
 

Evaluate Capacity to Pay

Use CreditMix to assess whether consumers in a designated market are likely to be able to afford products or services based on their credit card and other credit behaviors.

Analyze Financial Stress by Market

Explore what share of customers are likely to be financially strapped by understanding past due accounts, collections, and bankruptcies within a designated territory.
 

Track Credit Activity

Assess your firm’s share of the market for recently opened credit accounts across bank card, auto loans, and consumer finance accounts.

Discover Market-level Credit Health

Use CreditMix to identify regions where there are opportunities for growth or that justify reduced focus. For example, Region A has high new credit activity, low credit utilization, and low negative credit behaviors, indicating a healthier market. Region B shows higher credit utilization and negative credit behaviors, indicative of a struggling market.
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Frequently Asked Questions

CreditMix variables are built based on anonymous individual credit information from Equifax, which are then de-duplicated for joint and shared account information to provide improved estimates of credit usage at the household level. All data is aggregated as low as block group or ZIP Code level to protect consumer privacy.

With CreditMix, firms can gain an understanding of the credit behaviors within target markets and their share in capturing new credit. Use CreditMix to answer questions such as:

  • What is the estimated size of the credit market, credit allocation, and my firm’s share for the Southeast?
  • What is the estimated size of the first mortgage market and my firm’s share by custom asset breaks for the Northwest?
  • What is the credit market health by state and county and where are the opportunities for growth?
  • What are the likely future credit behaviors within my firm’s target market?
     

CreditMix provides estimates of total outstanding credit behaviors for the following categories and subcategories for desired geographies:

  • Total Credit
  • Mortgage Credit: First Mortgage: Agency, Non Agency; Home Equity Line of Credit (HELOC); Home Equity Loan (HELoan)
  • Non-Mortgage Credit: Bank Card; Retail Card; Auto Finance; Auto Bank; Student Loan; Consumer Finance; Other Non-Mortgage
     

CreditMix offers extensive variables for analysis, such as:

  • Number of Accounts; Number Accounts New within 12 months; Number Accounts >60 Days Past Due
  • Balance; Balance Accounts New Within 12 Months; Balance Accounts >60 Days Past Due
  • High Credit on Accounts; High Credit on Accounts Within 12 Months; Percent of Balance to High Credit
  • New Age of All Accounts
     

CreditMix data can be combined with market-level estimated asset, estimated income, discretionary spending, and financial durability metrics from Equifax. With this comprehensive view, firms can better understand both the assets and liabilities within target markets as well as a region’s likely aggregate ability to afford products and services. 

Insights

Consumer Economic Insights

Discover how consumer economic insights can help power your organization to better understand, segment, and reach customers for acquisition and cross-sell, plus find markets with growth opportunities.
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The Only Source Representing Total Outstanding Credit
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Analyze Market Potential

Explore how our market-level data on consumer assets, credit, and small businesses can help your firm understand trends, assess market performance, and inform regional strategies.

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