Ability to Pay (ATP) Index Product Sheet

ATP Index can be used alone or incorporated into models that incorporate consumer financial variables. ATP Index can help marketers more efficiently assess customer portfolios, enhance targeting, better identify high-potential households for marketing efforts, tailor promotions, rank leads, and help inform account management. ATP Index is available for use in both offline and online applications.

Ability to Pay Digital

Ability To Pay™ is an estimate of a household’s financial capacity based on consumer spending capacity, total income (including income from wages and assets), and household demographics.

Addressable TV Advertising

Television ads cost big bucks. That’s why advertisers and their agencies should take advantage of new, more targeted TV ads to better reach their optimal audiences.

Advanced Communications Plus

Advanced Communications Plus is a new industry specific score only available to NCTUE Plus members.

Advanced Energy Plus

Product sheet for Advanced Energy Plus, a new score for thin hit/no file only available to NCTUE Plus members.

Aggregated FICO Scores from Equifax – Product Features Sheet

An overview of the different features available with the Aggregated FICO® Score

Aggregated FICO Scores from Equifax – Product Sheet

Aggregated FICO® Scores offer marketers an aggregated, modeled form of FICO® Scores, thus enabling the use of an industry accepted credit risk assessment measure for non-FCRA marketing applications.

Aggregated FICO® Scores are offered at the micro-neighborhood level, thus ensuring consumer privacy.

Analytic Dataset

Analytic Dataset is a unique solution which provides insights into the credit health of US consumers through multiple credit cycles. This solution is created from a sample population across different geographical boundaries starting in July 2005 to present. It allows for the entrants of new consumers as others leave the active US consumer population due to death or credit usage.

AudienceIntel Product Sheet

AudienceIntel from IXI Services, a division of Equifax can help you: Improve campaign and website performance measurement with consumer financial capacity insights. Make instant, data-driven budget allocation decisions with campaign performance insights. Verify your actual audience to better understand what type of audience is viewing and responding to your online ads and website. Real-time, interactive dashboard allows easy “on-the-fly” report visualization, customization and exports.

AVM Insight Product Sheet

Manage your collateral risk with a market-leading AVM

Best Practices in Segmentation eBook

Applying segmentation best practices can drive improved marketing and sales performance, and operational efficiency, while also creating a better, more personalized customer experience across multiple channels and touchpoints.

Business to Business Digital Targeting Segments

The Business to Business Digital Targeting Segments enable marketers to improve targeting, increase response rates and reduce marketing costs while reaching desired target audiences online based on business attributes. These segments leverage attributes from the Equifax Commercial Marketing Database. The data comprises over 42 million business site locations. Independent studies confirm that 10% of these commercial records are unique to Equifax and concentrated in micro- to small-sized business.

Closed-Loop Attribution

Marketers need to connect their digital ad spend to their bottom line. Our proprietary Closed-Loop Attribution measurement solution allows marketers to measure – in a repeatable and turnkey manner – the impact that omni-channel campaigns have on company-specific metrics and revenue, whether the ‘conversion’ was done online or offline.

Commercial Insight Delinquency Score Product Sheet

Product Sheet detailing Commercial Insight Delinquency Score

ComplianceConnect

ComplianceConnect helps businesses more easily and efficiently assist with compliance efforts to better manage regulatory risk and high-risk transactions. It leverages robust global data, customizable search and match functionality, and flexible technology to deliver real-time insights.

Consumer Email Services

If your company is seeking email lists for prospecting campaigns or would like to enhance customer records with email addresses, then Equifax can help. With our email services, companies can better engage with key audiences and deliver relevant and personalized messages to prospects and customers.

Credit Card Digital Targeting Segments

Credit Card segments, built on a foundation of anonymous, aggregated credit information from Equifax, offer a means of marketing to consumer segments likely to have specific credit card propensities. Available to IXI Network members only.

CreditStyles Pro Product Sheet

CreditStyles Pro offers a suite of tools based on aggregated credit data that enables marketers and analysts to differentiate households based on their likely credit availability, needs, and usage.

Credit Trends SmartView Application

Our Credit Trends SmartView application (app), available through the Equifax Ignite™ Marketplace, can provide the insight and clarity you need by offering clear, concise data visualizations that are accessible anytime via your computer, tablet or smartphone.

Data-driven Marketing for Automotive

Optimize Spend by Targeting the Right Car Shoppers, at the Right Time with the Right Message

Digital Onboarding

With onboarding, marketers can reach their offline target audiences in the digital world. Onboarding enables marketers to convert their customer or prospect data in a secure environment to a digital format that can be used for online targeting.

Digital Segments for Auto

Auto Credit* segments, built on a foundation of anonymous, aggregated credit information from Equifax, offer a means of marketing to consumer segments likely to have specific auto credit propensities.

Digital Segments for Millennials

These segments are driven by our consumer segmentation system, which takes into account both projected interest and capacity to buy. The methodology differentiates consumers by industry-leading measures of household economics to derive unique buying capacity insights. By combining insights into estimated household income, spending and credit with demographics, buying behaviors and product preferences, these segments offer powerful tools for delivering the right message to the right audience.

Digital Targeting Segments for Communications

Telecommunications, Cable, and Wireless segments are based on the Economic Cohorts® consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with demographics, buying behaviors and product preferences.

Digital Targeting Segments for Retail

Retail segments are based on the Economic Cohorts consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with demographics, buying behaviors and product preferences.

Digital Targeting Segments for Sports

Sport segments are based on the Economic Cohorts® consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with likely demographics, buying behaviors and product preferences.

Digital Targeting Segments for Travel & Leisure

Travel, Entertainment, and Leisure segments are based on the Economic Cohorts® consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with demographics, buying behaviors and product preferences.

Discretionary Spending Dollars - Digital Targeting Segments

Digital targeting solutions enable marketers to better deliver the right message to a desired target audience online based on consumers’ likely interests and economic profiles.

DS$ Digital can target consumers based on their estimated household spending, after accounting for fixed expenses, organized in 9 differentiating ranges.

Digital targeting segments from Equifax are based on aggregated attributes at a geographic level and neither contain nor reveal any personally identifiable information.

Discretionary Spending Dollars HD

Discretionary Spending Dollars HD (DS$) is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. For organization addressing internal responsible banking concerns, DS$ HD provides robust discretionary spending capacity estimates at the household level without using protected-class demographics. DS$ can be used alone or incorporated into models and can help identify consumers with the estimated spending levels to afford products and services.

Discretionary Spending Dollars Product Sheet

Discretionary Spending Dollars (DS$) from IXI Services is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. DS$ represents disposable income minus non-discretionary expenses. DS$ can be used alone or incorporated into models where consumer spending is a factor. It is best used to identify consumers with the estimated spending levels to afford various products and services and can be used in both offline and online applications.

Discretionary Spending Index Product Sheet

Discretionary Spending Index (DSI) from IXI Services is a continuous household-based score of 1 to 1000 that ranks households by likely spending capacity and spending behaviors. It enables marketers to rank customers and prospects by estimated spending power.

Economic Cohorts Product Sheet

Economic Cohorts incorporates the vital visibility into household economics that has been missing from consumer segmentation products until now. Economic Cohorts segments customer and prospects based on households’ economic positions (estimated total income, ability to spend, ability to pay, and likely credit capacity), in combination with all the key demographic, lifecycle/lifestage, behavioral, lifestyle, and geographic attributes you expect from a leading consumer segmentation system.

enACT Product Sheet

Enhanced Automated Collection Transactions™ (EnACT) is an offline risk-assessment tool specifically designed for collections professionals. This cost-effective and easy-to-use solution enhances debt recovery efforts by providing current contact information and better predicting account performance.

Enhanced Email Append for Prescreen

Append emails to any Prescreen, house ITA or branding campaign lists. Leverage a triple-scrub process to ensure hygiene and guarantee 99% deliverability.

Equifax and Jack Henry Retail Banking Solution

Equifax and Jack Henry have joined forces to give financial institutions of all sizes a comprehensive solution to assess new deposit account risk and cross-sell opportunity at the time of new account origination.

Equifax and Retail Banking - Turning data into actionable insights

Our unique Decision360 approach is to integrate fragmented datasets and insights across channels, types, and platforms.

Equifax Ignite Direct

Equifax Ignite Direct combines data, technology and analytics in a research and development environment.

Equifax Ignite Marketplace

Equifax Ignite Marketplace, a collection of pre-built, configurable visualization applications, accelerates the sourcing and understanding of large amounts of industry-specific data to continuously optimize and inform intelligent business strategies.

Exchange Risk Score Product Sheet

Built from a database that includes more than 300 million non-financial tradelines and covers more than 171 million distinctive consumers, Exchange Risk Score provides unique and deep industry-specific payment data.

FICO Risk Score

In a major redevelopment of the FICO® Score using sophisticated modelling techniques to mine trends in recent consumer data, FICO Score 9 gives lenders the most predictive FICO Score to date, and minimizes operational hurdles associated with adoption and compliance. Among many modifications to its predictive characteristics, FICO Score 9 improves lenders’ assessment of collection information as well as consumers with limited credit histories.

FICO Score XD

By offering a deeper layer of relevant financial insight, FICO® Score XD can help you pinpoint and target creditworthy prospects out of a previously untapped audience so you can securely grow your consumer portfolio

FirstSearch Product Sheet

Collect More Debt by Reaching Debtors First

Help Facilitate Compliance and Growth Demands with Insight Score for Retail Banking

To help you address CFPB expectations while also managing the risk associated with a more inclusive account opening policy, Equifax offers a robust alternative data solution known as Insight Score for Retail Banking.

Help small businesses clearly and easily understand their estimated value

Equifax Business Value Advisor™ is a robust online valuation tool, that can provide vital information to your prospects and customers about their small business, while also helping to identify high-potential sales opportunities within your client base.

Income360 - Digital Targeting Segments

Digital targeting solutions enable marketers to better deliver the right message to a desired target audience online based on consumers’ likely interests and economic profiles.

Income360 Digital provides an estimate of consumers’ total household income and estimates average household income in 11 ranges up to $250,000+.

Digital targeting segments from Equifax are based on aggregated attributes at a geographic level and neither contain nor reveal any personally identifiable information.

Income360 HD Product Sheet

Income360 Household Direct version is now available from IXI Services, a division of Equifax. Marketing campaigns can take advantage of household-level income estimates created without components that could create obstacles for internal compliance requirements.

Income360 Product Sheet

Income360 from IXI Services, a division of Equifax, is a continuous household-based dollar estimate of income uncapped up to $2.0 million based on both income from wages and income generated from investments. Income360 can be used alone or incorporated into models that include traditional income measures. It provides marketers and analysts with a more reliable estimate of income to improve performance for both direct marketing and online targeting campaigns.

InstaTouch ID Product Sheet

InstaTouch® ID uses Equifax and mobile carrier data to authenticate a consumer’s identity. This allows for pre-population of consumer data during online checkout or form completion--providing a simpler, frictionless experience.

InstaTouch Pay Product Sheet

InstaTouch® Pay simplifies the tedious process of having to enter card information on devices and uses verified identity to present most current, reported credit card information as payment options.

InstaTouch Suite: From Friction To Flow

Don’t just meet consumer expectations of seamless, omni-channel experiences—exceed them. Enhance offers and reduce friction with the Instatouch® Suite from Equifax.

Insurance - Digital Targeting Segments

Digital targeting solutions enable marketers to better deliver the right message to a desired target audience online based on consumers’ likely interests and economic profiles.

Insurance Propensity Segments help marketers reach more qualified prospects based on specific likely insurance tendencies or characteristics.

Digital targeting segments from Equifax are based on aggregated attributes at a geographic level and neither contain nor reveal any personally identifiable information.

InterConnect

InterConnect is a flexible and secure cloud-based platform that converts complex inputs into actionable insights. It delivers streamlined access to diverse data sources, better attribute creation and deployment, easier rules management, stronger analytics and model integration to help you make more consistent decisions and get to market faster.

InterConnect Instant Prescreen

Cost-effective, quick-to-implement instant prescreen and cross-sell solution

Investment Propensity Digital Targeting Segments

Investment Propensity Digital Targeting Segments give firms the option of targeting households based on their likelihood to hold certain types of financial products. These segments are derived from a proprietary foundation of approximately $14 trillion in directly-measured, anonymous invested assets. The Direct version targets based on ZIP+4.

Lead Accelerator

Help verify and qualify leads that convert into sales quicker and more efficiently

Marketing List Services

Equifax partners with leading providers of consumer marketing lists to help you better reach your optimal prospects as well as to augment your company’s existing customer database. Our list services enable marketers to access key variables for their prospecting and customer marketing efforts.

Marketing Solutions for Auto Product Sheet

IXI Services, a division of Equifax, offers a variety of products and services to assist Dealers and OEMs with their marketing efforts. Help fill your lead funnel, enhance CRM systems and predictive models to develop optimal shopper profiles and optimize your website with real-time insights.

Marketing Solutions for Energy Marketers

Energy companies’ marketing teams can now gain insight on households’ estimated financial capacity, demographics, understand website traffic, and utilize real-time tactical applications at the point-of-service to better understand and communicate with their customers.

Marketing Solutions for Insurance Providers

Acquire New Policy Holders and Identify High-potential Customers Marketers can now better identify and communicate with valuable customers that are likely to have the financial profile and behavioral characteristics to better qualify for insurance products and services

Marketing Solutions for Restaurants

Go beyond loyalty databases and surveys by linking transaction data with consumer marketing information to help develop guest profiles. Reach more high potential guests that may have the affinity for dining out at your brands with discretionary funds to spend more

Marketing Solutions for Retail

Retail marketers can now enhance segmentation efforts to better identify and communicate with valuable customers that are likely to have the financial and behavioral characteristics that match a retailer’s brand, products, and services.

Marketing Solutions for the Communications Industry

Communications marketers want to consider new ways to use consumer insights and data to advance their efforts to acquire new customers, retain their best subscribers, and maximize lifetime value.

Marketing Solutions for Travel

Optimize marketing budgets by pursuing consumers more likely to have the financial capacity for travel and leisure activities, plus have the propensity for your brand, products, and services. Augment segmentation frameworks with estimated consumer financial attributesOptimize marketing budgets by pursuing consumers more likely to have the financial capacity for travel and leisure activities, plus have the propensity for your brand, products, and services. Augment segmentation frameworks with estimated consumer financial attributes

MarketVision for Securities

MarketVisionTM for Securities enables securities firms to determine their market size and share, find high growth areas, and identify consumer demand for any investment product and product category—all based on direct-measuredTM consumer financial assets. Exclusively for IXI Network members.

MLA Covered Borrower Status

MLA Covered Borrower Status returns an applicant’s status, giving you the valuable,needed insight to which credit terms you must offer in order to help you quickly proceed with origination and maintain a “safe harbor” as stated in the MLA Final Rule.

Model Integration Tool

Model Integration Tool allows you to rapidly integrate, audit and deploy custom models and scorecards with simplicity—so you can productionalize your models faster.

Model Performance Monitoring Application

The Equifax Model Performance Monitoring application (app), available through the Equifax Ignite™ Marketplace, helps make it easier for you to manage ongoing regulatory requirements by providing data-driven illustrations around model performance that enable you to quickly visualize new and emerging model risk, so you can take faster action to update or revise those models.

Model Performance Validation Application

A prebuilt app within the Equifax Ignite™ Marketplace, the Model Performance Validation app enables you to immediately visualize and validate how your current risk models are performing against your portfolio, and then compare that to how alternative models might perform.

Overview: PowerLead Suite

Get Qualified Leads and Sell More Cars with PowerLead Suite from Equifax

PhoneReveal

PhoneReveal can help enhance your current customer contact strategies by providing phone number type and validity, and identifying if your customer number is a mobile, landline or Voice over IP (VoIP) phone number.

PowerLead Check

Automotive service providers need a way to improve the lead generation solutions they provide dealerships, OEMs, and auto shopping sites.

PowerLead Check & Real Results

Start Moving Shoppers through the Buying Process

PowerLead Offer

Dealerships are looking for ways to accelerate the funding and delivery of vehicles. PowerLead Offer allows dealers to extend a firm offer of credit to consumers that are in their dealership.

PowerLead Qualify

What if there were a way to convert online shoppers into pre-qualified leads interested in a specific vehicle? Now you can! PowerLead Qualify™ facilitates the determination of an offer for an auto loan, including credit limit, interest rate and term.

Prequailfication of One

Equifax offers a Prequalification of One solution that enables a consumer to  easily determine their credit eligibility for offers, before a credit application is initiated.

Primary Impact - Make stronger promotions to the right prospects

Help grow your DDA portfolio and increase marketing ROI with a unique suite of models that enable greater precision when identifying household prospects best suited for your products.

Reporting Commercial Data

Best-in-class data security, governance and insights

Retail Banking Digital Targeting Segments

Retail Banking Propensity Targeting Segments give banks the option of targeting households based on their propensities to consume certain types of retail banking products and services. These segments are derived from a proprietary foundation of approximately $14 trillion in direct-measured, anonymous invested assets. Available to IXI Network members only.

Rules Editor

Rules Editor helps improve efficiencies and decreases costs by empowering business users integrated technology to easily create, test, and edit rule policies, without the reliance on I.T. resources.

Small Business Assets - Digital Targeting Segments

Digital targeting solutions enable marketers to better deliver the right message to a desired target audience online based on consumers’ likely interests and economic profiles.

The Small Business Segments leverage attributes from BusinessClass™, Equifax Commercial Solutions’ multi-sourced business marketing database, with over 18 million businesses, aggregated to the ZIP+4 level.

Digital targeting segments from Equifax neither contain nor reveal any personally identifiable information.

SmartReserve

SmartReserve™, a robust data offering from Equifax, can help by providing financial institutions of all sizes with access to the historical data required to accurately forecast future losses and calculate the reserves required under the new CECL standard for future and current losses.

Solutions for Communications Industry Marketers

Expertise and proprietary data from Equifax allows communications marketers to better align marketing strategies to both sales and service, helping to improve campaign performance and grow stronger customer relationships.

Solutions for Credit Unions

Expand member relationships and grow revenue with market-specific solutions.

Solutions for Energy Industry Marketers

Expertise and proprietary data from Equifax allows energy marketers to better align marketing strategies to both sales and service, helping to improve campaign performance and grow stronger customer relationships.

The Foundation of IXI Data

Unique IXI Data Foundation: Direct-Measured Assets

Our exclusive network of 95+ leading financial institutions, directly measures about $16 trillion in anonymous U.S. consumer assets & investments, representing over 47% of all U.S. consumer invested assets. Our patented process collects & classifies anonymous consumer asset data, combines it with proprietary measures of income, discretionary spending, and credit, providing a more complete picture of households’ financial and economic positions.

TotalView - One connection puts everything within reach

TotalView from Equifax is a streamlined, economical way to access a broader portfolio of Equifax data sources. Consume more data from a single source. Reduce the time, investment and complexity that was once a barrier to gathering deeper intelligence.

Transform Restaurant Marketing by Leveraging Transactional Data

Few restaurants leverage their wealth of transactional point-of-sale data to better understand their customers beyond their dining experience. With TokenIntel from Equifax, marketers can gain a broader understanding of their guests’ estimated financial profiles, attitudes, and demographics, and can transform their data for omni-channel marketing. In addition, by using insights on guests’ household locations, they can make more informed decisions about market potential for new site locations.

Trended Data Solutions

Equifax trended data solutions can help by giving you a deeper understanding of consumer financial behavior. Analyzing and trending financial data over a period of time can show you the trajectory of a consumer’s spending and repayment behavior by revealing patterns, or trends, in the data.

VantageScore Product Sheet

Learn how VantageScore is setting a new standard for predictive performance and modeling innovation.

WealthComplete - Digital Targeting Segments

Digital targeting solutions enable marketers to better deliver the right message to desired target audiences online based on consumers’ likely interests and economic profiles.

WealthComplete – Assets Digital and Deposits Digital help IXI Network Member Firms target consumers online based on an estimate of consumers’ household-level total asset wealth.

These segments are based on aggregated attributes at a geographic level and neither contain nor reveal any personally identifiable information.

WealthComplete HD

WealthComplete Provides a Complete Picture of Assets for Every U.S. Household

WealthComplete® enables financial services firms to find the hidden potential among their customers. It provides estimates of total assets at the household level, so you can better measure customer growth potential and share of wallet.

WealthComplete also provides asset estimates for six product categories and sub-categories, so you can measure asset allocation and share of wallet by product category.

WealthComplete Product Sheet

WealthComplete Provides a Complete Picture of Assets for Every U.S. Household

WealthComplete® enables financial services firms to find the hidden potential among their customers. It provides estimates of total assets at the household level, so you can better measure customer growth potential and share of wallet.

WealthComplete also provides asset estimates for six product categories and sub-categories, so you can measure asset allocation and share of wallet by product category.

Comprehensive Data and Insights that Drive Smarter SMB Lending

Small businesses are the golden opportunity for commercial lenders. They represent almost all businesses in the American economy. To grow and thrive, small businesses need access to capital and resources to help sustain their operations and increase revenue.

Gauging U.S. Recession Risk

This white paper will walk through some of the concerns surrounding the timing of recessions, and what Equifax Credit Trends data might tell us about whether current conditions warrant worry.

Identifying High Spend Consumers with Equifax Dimensions

A data-driven comparison study that reveals how Equifax Dimensions can help businesses drive stronger, more profitable marketing and sales strategies by more accurately targeting high-spend consumers in the market.

Identifying the Emerging Affluent to Start Lifelong Relationships - A Financial Marketer's Guide to Mass Affluent Millennials

A deep look at the Millennial generation and how its financial profile differs from prior generations, how different groups of Millennials differ from one another, and some of the best tactics finanical marketers should employ for reaching this generation.

Increased Predictiveness of SMB Risk through Configured Data”

This white paper will explain how the Commercial Financial Network (CFN), an ever-expanding network of data powered by the revolutionary technology and analytics of Equifax IgniteTM, can solve challenges for lenders.

Rethinking Risk

Five Barriers to Effective B2B Credit Risk Management — and How to Transcend Them

Scoring Credit Invisibles

Using machine learning techniques to score consumers with sparse credit histories

US Outbound Travel in 2016 - A White Paper

Travel marketers use segmentation & insights to better understand customer & prospect purchase history, location and lifestyle habits. Segmentation can assist in the identification of frequent US travelers and improve messages for more effective marketing programs.

ACE Loans Improves Lending Efficiency with Equifax BusinessConnect

With its strong reputation for supporting customers and the community, ACE Loans wanted an optimized process that enabled them to remain customer-focused and make smarter, faster point-of-sale decisions. The lender found what it needs in Equifax BusinessConnect.

Better Identify Consumers for Hospitality Offers

Enhancing existing segmentation systems with estimated consumer spending measures can help identify households that are more likely to have the financial ability to purchase travel and timeshare offerings and help improve campaign efficiency.

Brokerages Find Value in Low Potential Customers Using WealthComplete

Some brokerage customers hold relatively low balances which, coupled with limited upside potential, results in high service costs for minimal return for the firm. WealthComplete can help address this.

Captive Auto Lender Discovers Likely Financial Capacity of Consumers for New Electric Model

An auto manufacturer and its captive financing arm needed to provide insight to dealers on the target audience of a new model to ensure effective sales, particularly since the target audience was significantly different from the typical buyer of the brand.

Determining the Opportunity and Creating Client Treatment Groups - Best Practices for Banks

Banks need to be able to identify their ideal target audience for direct mail campaigns, yet they ousually only have a view of what their clients hold with them resulting in decreased efficiency and missed opportunities. Banks can utilize WealthComplete total assets estimates to identify, prioritize, and target high opportunity customers for cross-sell and up-sell campaigns.

Equifax Dimensions Delivers Predictive Risk Insight to Help Proactively Protect Your Business

A national financial services company wanted to enhance their risk models to improve their ability to identify consumers who are more likely to default. They needed a solution to help better identify consumers that pose a possible default risk.

Equifax Dimensions helps companies target the best consumers that will actively use their revolving cards

A credit card provider needed to better identify consumers who would be active on a revolving account in the next 12 months to improve targeting precision and appropriate marketing spend.

Equifax Dimensions Helps Increase Marketing Profitability and Improve Targeting Precision

A national credit card provider wanted to increase acquisition profitability by improving the way they targeted active customers. They needed a solution to better target customers more likely to take positive action while delivering a better marketing ROI.

Equifax Dimensions Helps Increase Revenue by Supporting More Precisely Targeted Balance Transfer Offers

A national credit card company wanted to increase revenue by targeting consumers who are more likely to transfer a balance greater than $500 over a 12-month timeframe. They needed a solution that could help precisely target the best candidates for balance transfer offer.

Equifax Dimensions helps more precisely target consumers most likely to open a first mortgage

A national lender wanted to hone the focus of their marketing spend and better identify consumers likely to open a first mortgage in the next 12 months.

Equifax Dimensions Helps Target High-Value Customers to Increase Revenue and Improve Marketing Success

A national bank wanted to build more market share and also proactively target consumers more likely to be high spenders in the next 12 months. They needed a solution to more accurately predict propensity to spend while creating profitable returns on marketing investment.

Full-Spectrum Auto Lender at Application

See how an auto lender used Equifax Ignite Configurable Score - Auto

Growing Revenue by Aligning Customers with the Right Service Level Using WealthComplete

Today, many banks place customers into various service levels based on internal data or demographic data, which may provide an incomplete or inaccurate view of the customer and is particularly limited in describing customers’ growth potential and asset allocation. This limited view results in lost opportunities and over-servicing.

How Cruise Marketers Can Better Identify High-Potential Audiences

Increase the efficiency of your campaigns! Cruise marketers can apply consumer spending measures to life-stage/income segmentation systems to better identify prospective and existing cruisers that are more likely to have the discretionary funds for premium offers.

How Retailers Can Better Identify High-Potential Prospects - Use Case

By using economic insights, retailers can better identify high-potential households who are likely to have purchase affinity. Retailers can use insights to better define audiences for marketing campaigns and help improve the efficiency of their marketing efforts.

How Retailers can use Consumer Spending Insights to Help Enhance their Loyalty Programs - Use Case

Retailers can score their customer files with IXI’s estimated spending capacity measures to help better differentiate customers by their spending trajectories, quickly apply focused strategies to high-potential new customers, and adjust loyalty program members.

Leading Bank Enhances Prescreen Efficiency for Card Acquisition Campaigns

Prescreen list development was taking longer than desired due to manual processes that could not efficiently handle the sophisticated prospect selection criteria. This hampered the number of prescreen campaigns, and the quantity of prospects identified for firm offers of credit. Segment Manager, an online segmentation management tool, was able to rapidly handle its complex prescreen list selection criteria.

Leading Bank Leverages Financial-Based Digital Targeting to Power Deposit Growth Campaign

A leading bank traditionally relied on running campaigns on common financial sites and utilizing premium targeting options across portals. In an effort to increase initial deposit amounts and the long-term value of each conversion, the firm sought to gain more control over which online visitors were seeing its ads, improve the efficiency of its targeting buy, and increase the profitability of new customers. The firm turned to Financial Cohorts for segmentation and digital targeting segments.

Lennox Transforms Credit and Collections with Help of Dynamic Equifax Solution

Lennox needed a more consistent and connected process for reviewing and approving customers and recovering debt. The company achieved this and more with the help of a world-class credit management solution from Equifax.

Midwest Health Success Story

ACA Compliance on Autopilot

Mortgage Customer Retention & Recapture

Better Identify Borrowers That Are Likely to Prepay

Mortgage servicers and investors need new insights into which mortgages are more likely to prepay in order to support customer retention programs and enhance modeling accuracy. Mortgage executives can utilize Income360 household-level total income estimate to better understand borrowers’ current financial capacity, and identify and segment loans that are more likely to prepay.

Quantifying the Opportunity and Creating Client Treatment Groups - Best Practices for Brokerage Firms

Brokerage firms and their financial advisors need to be able to understand the hidden asset potential within their client base. However, they often only have a view of what their clients hold with them, resulting in decreased efficiency and missed opportunities. Brokerage firms can utilize WealthComplete to quantify growth opportunity and help financial advisors prioritize their efforts.

Reaching the Right Audience Online with Wealth-based Targeting

A leading financial services firm leveraged our wealth-based Digital Targeting Segments to improve its online targeting by serving ads to consumers that were likely to have the desired financial characteristics for its products and services, while maintaining consumer privacy.

South Carolina Federal Credit Union Enhances Targeted Marketing

South Carolina Federal Credit Union wanted to overcome the limits of traditional segmentation measures to better identify and market to a niche group of members that were not being adequately served within its target market and shift from a product-based to a needs-based approach for sales and marketing efforts.

Surpassing Online Cost per Acquisition (CPA) Goals with Financial and Economic-Based Audience Targeting

Gauging the success of current online campaigns by comparing them to the performance of past campaigns is not enough. Most campaigns have significant room to improve, whether measured via Cost per Acquisition (CPA), impressions, conversions, or other metrics. An Equifax customer decreased the CPA of its online ad campaign by using our digital financial and economic measures to better target qualified prospects.

Top 10 Bank Redefines Branch Goals Based on Market Opportunity with MarketMix

A leading U.S. bank needed to assess branch performance. They knew which branches had the highest Assets Under Management (AUM), but were unsure how those branches compared to competitive branches in the area. The bank also wanted to know which branches were underperforming relative to market opportunity. The firm used MarketMix to analyze branch performance.

An FCRA Refresher for Compliant Cross Selling: Ensuring Permissible Purpose

Tammy Stacy, Deputy Chief Compliance Officer for Equifax, provides insight into the trends observed in CFPB-regulated financial institutions, recommendations around FCRA compliance, and the differences between cross-selling and prescreening.

Art of Engagement Using the Science of Numbers - Best Practices in Customer Engagement

Watch this on-demand webinar to learn best practices for Communications Service Provider marketers, including Best Practices in Customer Lifetime Value. Communications marketers can better leverage their wealth of in-house customer data by enhancing their Customer Lifetime Value (CLV) modeling for use in customer engagement marketing activities. Equifax can help clients take advantage of their customer data, enhanced with economic data, to create more comprehensive Customer Lifetime Value calculations and help augment their marketing program strategies.

Commercial Credit Trends Outlook Webinar from Equifax – Q1 2018

Equifax chief economist Amy Crews Cutts shares the latest commercial credit trends and outlines what changes she sees in store for the U.S. and economy and where she believes the economy is headed. She discusses recent commercial economic data, as well as new issues that are emerging on the economic landscape including changing interest rates, the Trump administration’s priorities and global politics.

Enabling Easier Rules Management with InterConnect

Learn how InterConnect's Rules Editor defines, tests and optimizes business rules and lets users quickly modify or create new rules, develop test data sets for repeated use, and create a more bullet-proof business strategy.

How Alternative Data and Advanced Analytics Give Utilities A Competitive Edge

Utilities need more effective ways to assess how they serve consumers for bill payment, deposit strategies and processes. Learn how alternative data and advanced analytics can help utilities drive increased revenue and margins while reducing credit risk and loss rates

Ingredients for Restaurant Success - Better Leverage Data to Help Attract and Engage Valued Guests

Restaurant marketers attended “Ingredients for Restaurant Success” to better understand ways to leverage the wealth of their in-house POS data for marketing activities and enterprise-wide decisions. Equifax can help clients take advantage of their internal data, enhanced with economic data, to create a more comprehensive view of guests and inform better decision-making.

Military Lending Act -- Are you Ready

Speakers shared valuable insights about the Military Lending Act (MLA) background and the new requirements associated with the MLA Final Rule starting October 3, 2016.

Nebulous Digital Marketing Investment is Dead

Join Equifax as Mykolas Rambus, General Manager of Data-driven Marketing at Equifax, and guest speaker, Shar VanBoskirk, Principal Analyst at Forrester for an eye-opening webinar, Nebulous Digital Marketing Investment is Dead, where you’ll hear why and how financial services brands are shifting their digital focus from quantity toward quality as they seek to connect with higher-potential, lower-risk audiences across their digital channels.

PODCAST: Customer Lifetime Value Best Practices for Communications Marketers

This podcast discusses CLV and Customer Equity. Better leverage in-house customer data by enhancing Customer Lifetime Value (CLV) modeling for use in customer engagement marketing activities.

Equifax can help clients take advantage of their internal data, enhanced with economic data, to create a more comprehensive view of guests and inform better decision-making.

Q1 2017 U.S. Economic and Credit Trends Outlook from Equifax

Make more informed decisions with economic and consumer credit insights from Equifax

Q1 2018 U.S. Economic and Credit Trends Outlook from Equifax

The webinar will discuss overall trends in consumer credit, as well as brief deep dives into HELOC, mortgage, auto, card and general consumer finance. An additional special report will take a deeper dive into current vintages to assess payment performance and defaults for key tradelines.

Q2 2017 U.S. Economic and Credit Trends Outlook by Equifax

Chief Economist Amy Crews Cutts delivers insights that can help drive strategic growth at your organization. During this webinar, Amy will discuss:
- U.S. Economic Overview
- U.S. Consumer Credit Trends
- Special Report: Recession Outlook
Whether you lead Credit Risk, Corporate Risk, Strategy & Planning, or Marketing, you will gain valuable economic and consumer credit insights to help drive strategic growth.

Q2 2018 U.S. Economic and Credit Trends Outlook from Equifax

Join Equifax as chief economist Amy Crews Cutts, with guest Cristian deRitis from Moody’s Analytics, deliver insights that can help drive strategic growth at your organization.

Q3 2017 U.S. Economic and Credit Trends Webinar

Make more informed decisions with economic and consumer credit insights from Equifax

Q3 2018 U.S. Economic and Credit Trends Outlook from Equifax

Join Equifax as deputy chief economist Gunnar Blix delivers insights that can help drive strategic growth at your organization.

Q4 2017 U.S. Economic and Credit Trend Webinar

This webinar will highlight overall trends in consumer credit, as well as brief deep dives into HELOC, mortgage, auto, card and general consumer finance.

Reaching for Retail Nirvana - Better Leverage Data To Identify And Engage Your Valuable Shoppers

This webinar discusses ways that retailer marketers can work towards a “retail nirvana” – defined here as improved customer engagement through a 360-degree view of their customers and prospects. Many Equifax clients have used syndicated segmentation frameworks to leverage in-house and third-party data and help implement best practices, overcome departmental silos and better utilize their internal data.

Scoring More Consumers with VantageScore 4.0

This webinar, held on May 3, 2018, co-hosted by Equifax and VantageScore, covered new innovations for scoring more consumers with the latest advancements such as trended data and machine learning techniques.

A Guide To Better Digital Advertising Through Data

Tactics, tools and real-life brand case studies that show advertisers how they can use additional data sources to help improve their online advertising campaigns.

Aligning Sales, Credit, and Collections for Maximum Efficiency and Speed to Revenue

BusinessConnect™ Offers a Unified Customer Lifecycle Management Solution for Organizations

Business to Business Digital Targeting Segment Details

The Business to Business Digital Targeting Segments enable marketers to improve targeting, increase response rates and reduce marketing costs while reaching desired target audiences online based on business attributes. These segments leverage attributes from the Equifax Commercial Marketing Database. The data comprises over 42 million business site locations. Independent studies confirm that 10% of these commercial records are unique to Equifax and concentrated in micro- to small-sized business.

Equifax Q&A with Forrester

Find out what Maxi Schmidt-Subramanian, Principal Analyst with Forrester Research, says about the impact of digital transformation on customer experience (CX).

Forget Everything You Thought You Knew About Big Data and Analytics: Part One

Think differently. Be different. There is a paradigm shift happening: the market needs more tailored data solutions that don’t take months to deliver. You need a solution that can meet market demand through a frictionless process that reduces building, testing and deployment from months to days. Different is the new paradigm. Read Part 1 of the eBook.

InterConnect - a Product Review from Decision Management Solutions

Equifax InterConnect is a secure, cloud-based decision management platform for defining and executing decision policies at the front line. It provides a streamlined technology platform for developing powerful decisioning strategies based on easy accessibility to robust data and transparency in consumer acquisition.

Overview: Data-driven Marketing Solutions

Marketing Precision To Drive Maximum Customer Value. That’s Data-driven Marketing.

Sealing the Deal: A Dealer's Guide to Knowing Your Buyers Better To Sell More Cars

We get it. You need to get shoppers into your dealership and into the right vehicle — as quickly and easily as possible. That’s where Equifax comes in.

Straight Talk from the Next Generation of Credit Card Customers

The eBook, Straight Talk from the Next Generation of Credit Card Customers, discusses what Millennials want, don’t want and the number one reason they’ll pick your card over others.

Testimonial: See Why a Ford Dealer in Indiana uses Income Verifications

Learn how Automated Income Check from Equifax can help verify employment status and income.

The Pursuit of Profitability

The Pursuit of Profitability takes a look at the Great Recession, discusses the path of economic recovery, and presents changing financial behaviors that emerged post-recession. The eBook shares practices to help win Affluent and Mass Affluent households.

Trended Credit Data Attributes in VantageScore 4.0

Learn about the integration of trended data into VantageScore’s 4.0 model design and its impact on performance.

Using Trended Data to Better Understand Customer Behaviors

The ability to effectively target offers and foster loyalty is contingent on successfully predicting consumer behavior and spend. Trended, historical, longitudinal or time-series data is an invaluable tool for gaining practical perspective into consumer behavior.

VantageScore – 2017 Market Study Report

This market study provides the results of the primary research showing VantageScore’s usage across the entire lifecycle of consumer lending except mortgage originations.

VantageScore 4.0 Overview Brochure

VantageScore 4.0, the fourth-generation tri-bureau credit scoring model from VantageScore Solutions, sets a new standard for predictive performance and modeling innovation, pioneering several industry “firsts” that benefit lenders and consumers alike.