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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.

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.

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

Email is a key component of an effective omni-channel marketing strategy. Almost all consumers rely on email as one of their primary channels for obtaining the information they need to conduct their daily lives. For marketers, email continues to be an economical and effective channel to connect with consumers.

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.

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 HD

Discretionary Spending Index (DSI) from IXI 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. Discretionary Spending Index HD can be used to help improve lead generation efforts and model performance, and help uncover potential hidden opportunities among your current customer and prospect database, and is built without the use of age.

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.

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.

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?

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

From the moment of first contact through the entire relationship with your business customer, reducing friction and ensuring internal alignment invariably results in a more positive experience for you and your customer.

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.

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.

Custom Scorecard from Equifax Delivers Strong Performance for Equipment Leasing Provider

A provider of equipment leases needed a way to more appropriately price its' short term loans based on lessee risk. Turning to Equifax for its' small business data and analytical expertise, the lender has achieved impressive results.

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.

Equifax Helps Adecco Process More Accounts by Connecting Sales and Credit in the Cloud

With teams making credit decisions across disparate locations and platforms, Adecco faced challenges in managing risk across its customer base. With the help of Equifax BusinessConnect, the company achieved rapid growth from better connectivity and customer visibility.

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

Opus Bank Teams With Equifax to Service Small Businesses

To launch its new Small Business banking division, Opus Bank wanted a commercial data provider with the same ‘relationship’ approach to business, as well as the strong mix of industry exclusive data and advanced technology that came with Equifax BusinessConnect

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 is Here to Stay - Best Practices for ACA Management

Join us to hear more about the impact that the ruling will have on employers. We’ll also discuss the complex processes involved in ACA management and best practices around: Data management, IRS reporting, subsidy notifications and more.

ACA reporting: Top 10 things employers must know NOW

Join the Equifax ACA experts as they reveal the top 10 things that employers must know NOW about ACA 1094/1095 reporting and share best practices for avoiding compliance roadblocks.

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.

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

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.

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.

Filing ACA Forms 1094 and 1095 with the IRS

During this webinar, we’ll discuss best practices for preparing your data to populate the forms, registering to e-file with the IRS, filing an extension, and maintaining an audit trail to help with fine disputes down the road.

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

Navigating ACA IRS Form Preparation

As employers are well aware, time is not on their side at this point – especially if they have not begun putting a process in place to prepare for IRS Reporting. Join our experts as they discuss navigating the murky waters of IRS reporting for the ACA.

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 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.

The Road to 95%: Mastering ACA Compliance in 2016 and Beyond

During this webinar, we'll provide an overview of employers' lessons learned during the first year since the Employer Mandate took effect and how organizations can apply that insight moving forward.

To Dial or Not To Dial - Best Practices for Contact Strategies that Align with TCPA Regulation

The Telephone Consumer Protection Act (TCPA) is prompting more litigation, and particularly class-action litigation, than ever before. TCPA lawsuits are frequently settled in the millions of dollars. Therefore, strict compliance with all relevant TCPA rules is critical to any business that contacts consumers through telephone technology.

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.

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's Next for ACA: Subsidy Notifications and Appeals

Join the team of Equifax Workforce Solutions ACA experts as they discuss the importance of handling subsidy notifications correctly and what can happen if things go awry.

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

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.