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Equifax Risk Score

Speed credit decisions with a risk model that predicts the likelihood of a consumer becoming 90+ days delinquent
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Overview

What Is Equifax Risk Score?

Equifax Risk Score® provides a rank-ordered risk perspective to support informed credit decisions, help reduce risk exposure, and increase portfolio profitability.
Built off of a multi-faceted consumer viewpoint of credit, Equifax Risk Score is designed to help predict the likelihood of a consumer becoming 90+ days delinquent within 24 months.

Who's it for

Lenders

Better assess consumers to speed credit decisions and drive acquisition

Credit portfolio managers

Identify cross-sell opportunities and areas of risk exposure

Collections analysts

Assess likelihood of delinquency to inform collections efforts
Product Sheet

Leverage a broad view of the likelihood of delinquency

Equifax Risk Score delivers a multi-dimensional viewpoint to determine the likelihood of delinquency based on length of credit history, depth of credit information, and delinquency history. Five scorecards are segmented using statistical analysis and business requirements to create a comprehensive perspective.
​​​​​​​The result is a scoring solution that provides a rank-ordered risk perspective to support informed credit decisions, help reduce risk exposure, and increase portfolio profitability.
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Gain insight across the account lifecycle

Equifax Risk Score delivers an intuitive scoring tool backed by the reliability and depth of Equifax consumer credit information. The solution can help lenders throughout the account lifecycle:

  • Increase acquisition
  • Strengthen portfolio quality
  • Manage risk exposure
  • Drive more effective collections

​​​​​​​ Equifax Risk Score can help pinpoint new marketing and cross-sell opportunities or identify areas of risk exposure when combined with the Equifax Bankruptcy Navigator Index.

Speed credit decisions with view of delinquency

With Equifax Risk Score, you gain a predictive perspective of a consumer's likelihood to become 90+ days delinquent in the next 24 months. With this insight, lenders and credit portfolio managers can make informed credit decisions plus add a layer of protection against risk across the account lifecycle.

Related Resources

Product Sheet
Product Sheet
Equifax Risk Score Product Sheet
Product Sheet

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