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.

ACA Management Essentials Solution

An overview of our Affordable Care Act Management Essentials Solution for employers.

ACA Partnership Opportunities

Does your team have the resources and expertise required to build and maintain a reliable ACA solution to meet clients' demands? Consider a reseller or referral partnership with Equifax, and get the trusted compliance technology and support you and your clients are after.

ACA Training Packages

Learn more about the ACA training packages we offer in this solution overview.

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.

Affordable Care Act Management Brochure

Put ACA compliance on autopilot

Business Activity Monitor

Business Activity Monitor™ is an account monitoring solution that helps reduce delinquency, improve collection outcomes and save time associated with account management through automated alerts on key changes to your customer accounts.

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

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.

Customer Data Management product sheet

One process improvement drives multiple benefits. Whether your customer data is scattered among three or three dozen places, Equifax helps you gain control with visibility you’ve never had before.

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 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.

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.

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.

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.

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.

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.

Reporting Commercial Data

Best-in-class data security, governance and insights

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.

Talent Report

Why rely on a job candidate’s self-reported data, multiple vendors, or potentially dirty and incomplete data to begin background screening? Talent Report™ from Equifax offers a reliable solution to validate a candidate’s identity plus uncover additional key data for use in state and county criminal history searches. With the vast breadth and depth of data sources available from Equifax, we can help you begin an efficient screening process with authenticated data from a single provider, efficiently delivered to your team via API. Learn more by viewing our product sheet.

Tax Form Management

Eliminate cumbersome, dated tax form distribution processes and create more time for strategic work. Tax Form Management from Equifax offers efficient, automated systems for managing employees' tax forms, giving your payroll and benefits departments much needed relief during tax season and beyond.

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.

Affordable Care Act Subsidy Guide for Employers

Learn more about subsidies and their impact on both employees and employers. You'll find answers to the most common question like: What is a subsidy? Who should or should not get one? How and when I should appeal a subsidy? How does the subsidy process work?

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.

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.

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

Top 10 ACA Compliance Challenges Employers Face in 2017

As the industry leader in ACA compliance, Equifax is helping clients manage eligibility, affordability, and IRS reporting for over 41 million employees. Download our resource to identify all 10 challenges and learn how your team can over come them. Throughout the process of onboarding hundreds of clients, we have noticed 10 common ACA compliance challenges.

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.

ACA Subsidy Management Success Story - Global Shipping Firm

Learn how a global freight, shipping, logistics and supply chain management company found the efficient ACA subsidy management and appeal solution it needed from Equifax.

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.

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.

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.

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.

Leverage PhoneReveal from Equifax as a Tool in TCPA Risk Strategies

Nationwide Fortune 500 Company Leverages PhoneReveal from Equifax as a Powerful Tool in its TCPA Risk Strategy

ACA Compliance: Top 10 Things You Need to Know in 2016

During this webinar, we’ll draw upon our experience helping hundreds of employers manage ACA to share the top 10 things that you need to know to ensure success in 2016.

ACA Update for Employers: Employee Subsidies and IRS Fines

During this webinar, we'll provide an overview of the subsidy application and appeal processes and how this can translate into IRS fines down the road.

An Employer's Perspective on ACA Subsidy Appeals and Employee Communication

Jeff Taylor of Equifax and Rachel Stevens of Staffmark walk through the “nuts and bolts” of the subsidy process, explain options available to employers when receiving Marketplace notices, and share best practices on handling subsidy appeals. Stevens also shares how she is successfully managing the subsidy process and handling delicate communication with employees whose subsidies are appealed.

Better I-9 Compliance: How to Audit I-9s the Right Way

Civil penalties for non-compliance with Form I-9 requirements are at an all-time high and worksite enforcement is on the rise. Are you ready? Hear from a leading attorney on steps employers can take, including how to manage an effective internal self-audit. An I-9 expert from Equifax Workforce Solutions will discuss technology that can help improve the audit process.

Burden of Proof: An Unemployment Mock Hearing

With unemployment hearings having serious consequences for employers, the heat is on when you receive notice of an unemployment hearing. Even the most seasoned HR pros can find unemployment law intimidating. We take you straight into an unemployment hearing to see how policy, procedure and preparation play out. Giving you crucial steps and best practices you can start using immediately. No matter your industry or experience level, this is one webinar not to miss! The webinar took place Nov. 15, 2017

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.

Decoding ACA - IRS Reporting and Subsidy Management

Decode IRS reporting and subsidy management for the ACA. See examples of complex employment scenarios and how they play out in terms of 1095-C reporting. Learn best practices for data collection and management, form 1095-C distribution, and subsidy appeals management.

Dot-To-Doc: Highlight Reel

Learn more about HR unemployment documentation and risk in this highlight from the full Dot-To-Doc webinar

Effective I-9 Self-Audits: First Steps to Compliance

If you keep any Form I-9s on paper, up to 80% of them could have an error. With increased fine amounts and enforcement, learn how to improve your audit trail by conducint a self-audit. Find out how to quantify risks in your paper I-9s, identify and prioritize your high risk I-9s, avoid discrimination and retaliation in conducting a self-audit, and best remediation best practices.

Found Money: How Employers Can Get the Most Out of WOTC

Employers that have a Work Opportunity Tax Credit (WOTC) program often times end up 'leaving money on the table'. Learn how your company can find that money with best practices and insights from our WOTC and job credit experts. And, you may be surprised to discover other benefits from a successful WOTC program (hint: employee retention, workforce insights, and more). *Webinar occurred June 2017

Piecing Together ACA: Reporting, Subsidy Appeals, and Employee Education

With a better understanding of 1095-C forms and a thoughtful employee education plan, you can set your organization up for success in piecing together the ACA puzzle. Join the expert ACA team from Equifax to discuss the impact of the new regulations and Administration on ACA, tips for preventing form 1095 errors and minimizing corrections, ideas for developing a plan to get ahead of employees’ 1095-C confusion, and strategies for handling sensitive subsidy appeal discussions with employees.

Q3 2017 U.S. Economic and Credit Trends Webinar

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

Spotlight on ACA Subsidies

Watch this webinar on-demand to learn more about ACA subsidies, including: How the subsidy notification and appeal process works, real-life examples of challenges that employers have faced, best practices learned from processing subsidies for Equifax clients, how Equifax reduces the administrative burden and compliance risk associated with subsidies, and suggestions for educating and communicating with employees about subsidies.

Understanding the New Form I-9 and the Election’s Potential Impact on Immigration Reform

A leading immigration attorney leads a discussion on the revised Form I-9, penalties related to Form I-9 non-compliance and what 2017 could hold for employers from an enforcement perspective. She also provides an overview of what to expect regarding immigration reform and worksite enforcement. The webinar also addresses how the form changes have been implemented on the Equifax Workforce Solutions I-9 Management solution and explains how the service uses automation to help drive compliance.

Unemployment Mock Hearing - Verbal Abuse in the Workplace

Take a deep dive into a real unemployment hearing as we act out a case that revolves around verbal harassment in the workplace. Listen in as our experts highlight throughout the case the correct steps that HR departments should take before and during an unemployment hearing.

Wage Audit Compliance: How States and Employers can Reduce the Compliance Burden

The webinar provides real examples of overcoming Wage Audit compliance challenges from Walmart, Equifax Workforce Solutions and state agency representatives. You will learn how employers, state agencies and TPAs collaborate to reduce employer risk, claim fraud and the administrative burden related to Wage Audits.

What You Need to Know Now about Form I-9 and Immigration Enforcement

There’s a new Form I-9, clues in the recent Department of Homeland Security Budget-in-Brief and Appropriations bill suggest nationwide E-Verify is on the horizon and civil penalties for non-compliance with the Form I-9 requirements are at an all-time high. Are you ready? At this webinar, a leading immigration attorney and I-9 experts from Equifax Workforce Solutions focus on what employers need to know about these trends and more.

ACA 1095 Toolkit for Employers

Get our toolkit of valuable resources to help educate employees on ACA Form 1095, including a communication plan, email templates, a poster, FAQs, and more.

ACA Subsidy Toolkit for Employers

Get the Equifax ACA Subsidy Toolkit for Employers for access to valuable resources to help you manage subsidy appeals, including: - An ACA subsidy FAQ document for employees, - A sample employee education poster, - A best practice guide for benefits and HR staff, and - An ACA subsidy process road map.

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.

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.

In Search of the Purple Squirrel: Top 3 Reasons Why You Need to Use Pre-Employment Verifications

This e-book will examine the impact of living in an age where the truth can become a mystical concept and why HR should be using Pre-Employment Verifications to help transform how they are making hiring decisions.

Overview: Data-driven Marketing Solutions

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

Some Facts About Recession Risk

Information from “Gauging U.S. Recession Risk” by Equifax Chief Economist Amy Crews Cutts and Deputy Chief Economist Gunnar Blix

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.

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.