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
Better assess consumers to speed credit decisions and drive acquisition
Credit portfolio managers
Identify cross-sell opportunities and areas of risk exposure
Assess likelihood of delinquency to inform collections efforts
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.
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:
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.