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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

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.

Best Practices in Data Security

It is important to make sure that any partner you consider that will handle your employees' personal information has top-notch security.

CaseBuilder Flex

CaseBuilder Flex integrates easily to most internal unemployment case management programs taking care of the document management flow, and prompting workflow actions and activities, while the employer maintains the provisioning and decisioning of the case load.

CaseBuilder Platform

Equifax processes nearly 5 million unemployment claims each year. That kind of scale gives us the unique process insights that go into the CaseBuilder platform - our intuitive and intelligent web-based solution for streamlining unemployment case management.

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

Compliance Center

Compliance Center is a technology portal designed to streamline new hire onboarding; including I-9 management and WOTC

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

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.

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.

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.

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.

Employment Tax Consulting Services for PEOs

Professional Employer Organizations have many business risks that are unique to the industry. Learn how Equifax can help.

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.

FCRA and Data Accuracy

The Fair Credit Reporting Act (FCRA) is a Federal Law that promotes accuracy, fairness and privacy for the data used by Consumer Reporting Agencies (CRAs), including Equifax. Verifications completed through The Work Number service are consumer reports.

FCRA Risk Mitigation

Providing verifications of employment can potentially expose employers to many serious legal risks, including liability risk when giving references to other employers, and privacy concerns from leaks of sensitive employee data.

FraudIQ Authenticate Brochure

A Smarter Way to Authenticate Customers

FraudIQ Authenticate Device

A real-time check of the devices used in your online business

FraudIQ Authenticate Passcode

Secure Authentication with One-Time Use Passcodes

FraudIQ Identity Alerts

Help protect your business from fraud with alerts that help you quickly spot fraudulent identity components that may indicate synthetic ID fraud or identity theft.

FraudIQ Identity Score

FraudIQ™ Identity Score delivers insights on identity linkages and suspicious patterns, helping determine that the customer is who they claim to be. Use these insights and customizable scoring to make critical decisions in real time when spotting potential fraud.

FraudIQ Manager Product Sheet

Fraud is an increasing threat to businesses, creating revenue loss and increased costs year over year. FraudIQ™ Manager is an enterprise fraud management solution that helps identify potentially fraudulent activity before it impacts your business.

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.

I-9 Anywhere Product Sheet

As companies move more and more to a dispersed workforce and centralized HR function, I-9 Anywhere helps organizations onboard remote employees with confidence; increasing efficiency while reducing risk

I-9 Audit and Remediation Product Sheet

As I-9 compliance challenges grow, more employers are looking to improve on their process moving forward, but often overlook any risk that might be associated with their historical I-9s. I-9 Audit and Remediation is designed to help you manage that risk.

I-9 Conversion Product Sheet

Transform paper I-9s to an electronic system for better control and security, helping you to improve compliance

I-9 Management Product Sheet

Take control of I-9 compliance with I-9 Management solutions from Equifax. We understand the challenge you face when managing I-9 compliance. Keeping control of your I-9s is no small task. Turnover, a dispersed workforce, remote employees, evolving legislation and changing regulations make it nearly impossible to stay 100% compliant when using a paper-based process. Equifax answers your needs with smart, convenient electronic solutions.

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.

Income and Employment Verifications

The Work Number delivers an automated income and employment verification solution that streamlines the transfer of information between employers and verifiers, ultimately benefiting the employee by creating a secure and accelerated decision process.

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 Suite

InstaTouch® Suite provides simplified digital consumer interactions with one touch authentication, easier payments, and better offers.E

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

Managing Unemployment Costs - Hearing Representation

With expert appellate services from Equifax, employers can tap into an experienced, highly-specialized team of representatives who will assist with hearing preparation once a hearing has been scheduled, and also represent your organization at the hearing

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 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 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

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.

Mobility Plus™

All-in-one mobile banking solution for enhanced decisioning

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.

New Hire Reporting Services

The federal government mandates that employers report newly-hired and rehired employees to the state in which they work within 20 days. Equifax Unemployment Cost Management streamlines this process for employers by performing multi-state reporting on employers behalf.

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.

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.

Product Briefing - The Work Number

The Work Number, a service of Equifax Workforce Solutions, streamlines the transfer of information between employers and verifiers, benefiting the employee-consumer by accelerating the decision process while adding security to the transaction.

Reporting Commercial Data

Best-in-class data security, governance and insights

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.

Solutions for Credit Unions

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

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.

The Work Number Direct for Employers

The Work Number Direct enables employers to process manual verifications on their time, within a secure system, and with full confidence that the party requesting the verification is a legitimate verifier with a valid permissible purpose

Top UCM Challenges Employers Face

Learn about the most common challenges that may be preventing employers from optimizing their unemployment case management program

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.

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.

UCM Best Practices for 2016

Processing claims for more than 6,000 employers nationwide gives Equifax the ability to analyze and identify common process errors that can lead to patterns of failure. Our best practices for 2016 can help employers implement an efficient and effective UCM process.

UCM for Reimbursing Employers

The nonprofit sector is the third largest employer group in the US, with nearly 11 million employees. Unemployment claims can have an immediate and real financial impact on these employers.

UCM Wage Audit Solutions

Wage audits are a critical tool for states looking to help reduce improper payments. Yet for many employers, responding to wage audit requests is becoming more cumbersome.

UI Integrity Penalties by State

There are a variety of state interpretations on the definition of a pattern of insufficient and untimely claims. This map can help clarify definitions for each state.

Unemployment Cost Management: We Get It. We Got It.

For employers, Unemployment Cost Management (UCM) can be really complicated. Equifax puts more than 65 years of experience, our CaseBuilder technology workflows, and UCM management and reporting best practices to work for more than 6,000 employers nationwide. 

Unemployment Cost Management for Education

Seismic shifts in legislation, philosophy, and funding have created unprescedented changes to employment management in the education sector. Changes can have a trickle-down effect when it comes to separations and managing unempoyment claims and payments.

Unemployment Cost Management Toolbox

With the Unemployment Cost Management program from Equifax, employers have access to innovative tools and training libraries to help maximize case management productivity and compliance, while minimizing resource costs and unemployment tax liability.

Unemployment Cost Management Value

Unemployment Cost Management from Equifax taps the expertise of our teams and our service heritage to help clients realize maximum efficiency and value from our case management solutions.

Unemployment Insurance (UI) Integrity

In 2011, Federal requirements mandated that states enact UI Integrity legislation to help reduce improper unemployment benefit payments. All states now have legislation in place and many are starting to enforce and assess penalties.

Unemployment Overpayments

The Department of Labor reports that $12 of every $100 in unemployment benefits are overpaid, creating significant unnecessary costs for employers.

Unemployment Wage Audit Map

Wage audits are a critical tool for states looking to help reduce improper payments. Learn about the penalties associated with each state.

Verification Exchange

The new Verification Exchange from Equifax leverages the best practices established over the past two decades through The Work Number, the industry-leading verification service in the United States, to deliver the Canadian marketplace a new verification solution

Verification Exchange - Record of Employment

As part of the new Verification Exchange in Canada, an income and employment verification solution similar to The Work Number, Equifax will provide Record of Employment on behalf of employers with Canadian workforce

WalletInsights Product Sheet

IXI’s interactive, web-based platform that empowers firms with customer and market intelligence based on IXI’s and Equifax’ proprietary financial, economic and credit insights. It offers a series of modules that firms can use to address their most pressing challenges, including helping firms to better understand their market position, grow customer relationships, plan outbound campaigns, and build customer loyalty

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 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.

Work Opportunity Tax Credit (WOTC)

Improve your WOTC tax credit program through identification, verification, certification, and expansion of additional credits.

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?

A Guide To Better Advertising Through Data - Best Practices for Making Smart Use of Data Online

Using the right data in digital advertising can eliminate wasted spend and be critical in achieving the best results. This ebook offers tips to help marketers make smart use of advanced data, analytics and technology for improved return on their online ad campaigns.

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.

Dual Value of the Work Opportunity Tax Credit

The Work Opportunity Tax Credit (WOTC) can be a valuable tool to help you increase your organization’s income through hiring. But did you know there are several other benefits, including helping to reduce turnover? Learn more about how you can take advantage of these and other benefits as well as best practices to help make the WOTC process easy and effortless.

Equifax Risk Based Authentication

A risk-based authentication process can unobtrusively verify the identity of the account holder to guard against fraud without interjecting additional steps.

Fighting Fraud On The Small Screen

Comprehensive Fraud Mitigation Solutions Support Consumer-friendly Mobile Device Account Origination

Five Tips to Detect and Deter Fraud During Customer Acquisition

Finding a workable solution to stopping potential fraud requires balancing the competing priorities of optimizing the customer experience, minimizing operating expense, meeting regulatory requirements and mitigating loss.

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.

Leverage Big Data for Fraud Mitigation

To Help you cut through the hype, here are 10 takeaways on how Credit Unions can leverage Big Data for fraud mitigation

Mergers and Acquisitions - The Impact on Unemployment Tax Costs

Learn about the often overlooked unemployment tax issues that should be considered in the M&A transaction management process.

The New Reality of Synthetic ID Fraud

Synthetic ID fraud is becoming the go to tactic for highly organized fraudsters. How can organizations identify this fraud and mitigate the risk more effectively.

The Resurgence of New Account Fraud

Effective Fraud Mitigation Solutions to Help Combat the Next Generation of New-Account Fraud

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.

Top 10 Takeaways on Leveraging Big Data for Fraud Mitigation

Getting a “Big Data” view of anything is just a means to an end. For fraud fighters, a major goal is reducing fraud losses.

Trust But Verify

Data-driven research that illustrates the significance of applicant verification on auto loans and provides greater understanding of borrower behavior and auto loan performance.

U.S. Consumer Wealth Trends

Understand how U.S. investment habits have changed from before the Great Recession to December 2014. Learn more about who holds the wealth, portfolio allocation patterns, and risk profiles for U.S. investors and what it means for financial companies today.

UI Integrity: A Focus on Compliance

In 2009, with unemployment rates nearly double historical norms, UI benefit payments increased significantly and reached an annual high of nearly $80 billion. The effects of this recession continue to impact the unemployment reserves.

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.

Account Monitoring with Compliance Data Center

See how reliable results and streamlined process help mitigate regulatory and reputation risk

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.

Case Study - Financial Services Institution

A financial services institution recovered $2.4M in employment taxes with help from Equifax

Case Study - Financial Services Institution

A financial services institution recovered $2.4M in employment taxes with help from Equifax

Case Study - I-9 Management Success with Top Bank

I-9 management case study - Top Bank implements electronic I-9 and reduces compliance risk and produces positive brand

Case Study - National Restaurant Chain

A national restaurant chain consolidated two predecessor legal entities into a third legal entity and recovered $700K in employment taxes with help from Equifax

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.

Deeper Customer Insight

Top 30 bank improves customer insight and service with faster access to the latest data

Employer Advantage Case Study - Unemployment Cost Management with CaseBuilder

Unemployment Cost Management service from Equifax helped Employer Advantage, a Professional Employer Organization (PEO), manage its clients’ unemployment claims in a more cost-effective manner, with improved lead times and process efficiency.

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.

Hurricane Relief Tax Credit Case Study: Retailer Identifies More Than $1 Million in Tax Credits with Help from Equifax

A retailer worked with Equifax to leverage Gulf Opportunity (GO) Zone Employee Retention Credits as part of the relief efforts following Hurricanes Katrina, Rita, and Wilma. The geo-coding processes from Equifax pinpointed locations inside the disaster zones while the tax credit experts calculated the opportunity. Equifax can help with our no-hassle set-up to efficiently identify, calculate, and manage compliance with the 2017 disaster relief tax credits for Hurricanes Harvey, Irma, and Maria.

I-9 Case Study: Top Financial Services Client

Learn from a top 25 financial services organization defined and found success using our I-9 Management solution

Leading Auto Captive Lender Leverages IXI Solutions

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. The captive auto lender worked with the IXI™ Services division of Equifax to provide dealers with likely financial capacity and demographic information for consumers interested in a new electric model and was able to convince dealers that the financial investment was worthwhile and confirm that interested consumers were a good fit.

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

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.

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

Work Opportunity Tax Credit (WOTC) Case Study: A Top 25 Bank Sees Over 50% Increase in WOTC Results with Switch to Equifax

A top 25 bank had a WOTC program in place but with a switch to the Equifax solution, the bank’s estimated credit value, screening completion, and eligibility identification all improved to drive over 50% increase in WOTC results. See how the proprietary SmartScreening™ technology from the Equifax WOTC Management solution optimized eligibility identification to drive increased credits and significantly improve overall WOTC program performance.

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.

A Deep Dive into ACA IRS Reporting with Intuit and Equifax

Join Intuit®, the provider of TurboTax® software, and Equifax Workforce Solutions, a leading provider of ACA compliance solutions, to learn more about their experience with tax reporting for ACA and hear best practices to prepare for the new requirements.

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.

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.

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

Competing in Today's Automotive Landscape

Join CU Direct and Equifax to learn how credit unions can compete more effectively in today’s automotive lending environment. To thrive in this market, you need to find profitable new members, efficiently close more deals, and increase your competitive position.

Credit Union Fraud Prevention

A Multi-Layered Approach

Credit Unions and the HELOC Landscape

View our discussion on economic trends in the mortgage industry and the impact for credit unions.

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

Improving Application Fraud Detection

This webinar discusses tips to combat leading fraud techniques including how to bridge silioed data, improve analytic methods, and quickly update models and rules as fraudsters’ tactics change.

Know More Grow More

Tips to help Credit Unions make the most out of their marketing investments

Looking to the Future - Emerging Affluent Millennials

As banks look towards the future, a key part of the plan is better understanding the preferences and needs of their Millennial customers and how to identify which of those Millennial customers are on track to become affluent in the future.

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.

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.

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

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

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 Affordable Care Act - Preparing for 2015

While many employers believe they do not have to worry about IRS reporting for the ACA until 2016, the reality is that they must begin preparing in January of 2015 in order to file in 2016. Join us as we break down IRS reporting for the ACA.

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.

Walking the Tightrope: Striking the Balance Between Fraud Prevention and User Experience

Application fraud and account takeover are rapidly rising in the U.S. and many FIs financial institutions are scrambling to deploy mitigating controls. At the same time, the rising bar of customer expectations is pressuring FIs them to remove friction and increase functionality to create seamless digital experiences for their customers.

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.

10 TCPA-Related Tips To Consider

The Telephone Consumer Protection Act (TCPA) is prompting more litigation, and particularly class-action litigation, than ever before. Strict compliance with all relevant TCPA rules is critical to any business that contacts consumers through telephone technology. Review these tips to help you manage your consumer contact strategies.

5 Key Capabilities of Synthetic ID Detection Solutions

Effective risk-detection solutions must be robust enough to handle both increasing volumes of pertinent data and savvy criminals. Learn whether your fraud detection solution has the key capabilities you need to reduce losses and improve operational efficiency

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.

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

April 2016 Tax Intelligence - Unemployment Economic Update

SUI tax rates change year-over-year based on such factors as employer-specific experience, M&A activity, benefit payment inefficiencies, and overall economic conditions.

August 2016 ETS Tax Intelligence - Bankruptcies and UI

For SUI tax purposes, employers engaged in M&A transactions must adhere to the SUI tax provisions in each taxing jurisdiction, based on each unique set of facts and circumstances.

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.

Is Fraud Mitigation on Mobile Devices A Riskier Business?

The increasing demand for mobile access to banking transactions and other e-commerce activities will likely result in system weaknesses that fraudsters will try to exploit.

January 2016 ETS Tax Intelligence - New York Savings Opportunities

In February of 2016, New York SUI tax rates will be issued. Their issuance will create three potential savings opportunities for employers: voluntary contributions, joint accounts, and negative write-offs.

July 2016 ETS Tax Intelligence - SUTA Dumping

Learn about a recent SUTA dumping case and the outcome.

June 2016 ETS Tax Intelligence - SUI Rate Forecasts

The time gap between when rates can be determined and when rates are actually issued presents a challenge for employers.

March 2016 ETS Tax Intelligence - 2016 M&A Activity

Other than a slight decline in calendar year 2013, M&A activity in the U.S. has been trending upward since the Great Depression.

May 2016 ETS Tax Intelligence - Spring Cleaning Your UI Accounts

The amount of SUI taxes paid by an employer depends on a variety of factors including economic conditions, an employer's hire/fire practices, the number of claims, and the amounts of benefits.

October 2016 ETS Tax Intelligence - SUI Transfer of Experience

M&A can significantly influence an employer's SUI tax rates. This month's issue focuses on TOE when an organization undergoes a change involving the movement of employees from one legal entity to another.

September 2016 ETS Tax Intelligence - State Unemployment Tax Rates in 2017 and Beyond

SUI tax rate risk can be broken down into two primary components, those that employers can control and those that employers cannot. Learn more about the factors employers can control.

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.

Tax Intelligence - California Enterprise Zone Closings

The California Zone Program was repealed as of January 1, 2014, however many zone offices have chosen to close their doors before December 2014 deadline.

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.

Top Ten ACA Compliance Challenges Employers Face in 2017: Visual Guide

As the industry leader in ACA compliance, Equifax is helping clients manage eligibility, affordability, and IRS reporting for over 41 million employees. Download our visual guide to identify the top ten challenges employers face in 2017 and learn how your team can be prepared.

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.