Product

Financial Durability Index

Measure Financial Health with Financial Durability Index.
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Product Overview

Today’s consumers are challenged by inflation and other financial stresses. Businesses want to differentiate consumers likely to be able to keep spending AND meet their current and future financial obligations even when faced with financial stress.

Financial Durability Index™ is a 1-5 rating that measures a household’s likely financial resilience (5 = most financially resilient). It is a non-FCRA solution that goes beyond credit scores and overcomes limitations of thin or damaged files.
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Who It's For

Director of Marketing
Drive cost-effective acquisition campaigns, while reaching the right audience
Campaign / Advertising Manager
Increase campaign effectiveness and uncover hidden risk and opporunity
Digital Marketing or Ad Agency
Better understand audiences for acquisition campaigns
Risk Manager
Understand household financial health beyond credit scores

Financial capacity measures to uncover financial health

Financial Durability Index can help marketers and risk managers:

  • Differentiate consumers likely to have the means to meet current and future financial obligations
  • Inform pre-collections strategies
  • Assist with treatment prioritization for delinquent accounts
  • Increase asset recovery for accounts in collections

Key ingredients to better understand consumers

The patent-pending Financial Durability Index model provides an indicator of financial resilience by analyzing the intersection of multiple financial capacity measures. These measures include estimated financial inflows, affluence, discretionary funds to spend and credit capacity using aggregated credit measures.

Derived from our anonymous financial assets database, it provides a more complete measure of financial health and resilience than using these measures alone.

Key Improvement Stats

38%
more likely to become delinquent (30 DPD+) if Low Durability
46%
less likely to be delinquent if High Durability
13%
more likely to become current again if High Durability

Enhance your acquisition and account management efforts

Now you can better segment prospect households to enhance your acquisition campaigns for Prescreen or ITA financial campaigns, and other goods and services. Or, identify hidden opportunities in your customer base for cross-sell and up-sell and build loyalty and deepen relationships. Financial Durability Index can also enhance account monitoring and better assess the risk of credit and pay-over-time portfolios.

Insights Articles

Income 360

Enhance targeting with a total household income estimate, including income from assets

Ability to Pay Index

Segment households by their likely economic capacity with Ability to Pay Index

Affluence Index

Improve targeting and marketing models with an indexed estimate of households' discretionary spending

Contact Us

Credit scores don’t tell the whole story - uncover hidden risks and opportunities for customers and prospects.

Utilize leading financial measures

Learn more about Data-driven Marketing solutions from Equifax