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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.

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

Asset Verification

Asset Verification through AccountChek™ allows lenders to electronically obtain financial data about a borrower - eliminating the need for borrowers to collect, copy and submit paper statements.

AVM Insight Product Sheet

Manage your collateral risk with a market-leading AVM

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.

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.

Digital Onboarding

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

Digital Segments for Auto

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

Digital Segments for Millennials

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

Digital Targeting Segments for Communications

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

Digital Targeting Segments for 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 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.

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.

InstaTouch ID Product Sheet

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

InstaTouch Pay Product Sheet

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

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.

Investment Propensity Digital Targeting Segments

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

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.

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.

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.

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.

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.

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.

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.

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.

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

Day 1 Certainty™ Best Practices – What You Need To Know For A Successful Implementation

Since Fannie Mae implemented its DU® Validation Service, many mortgage lenders have hit a speed bump while trying to implement the Day 1 Certainty™ program. During this webinar, Equifax experts share their experience with lenders regarding program implementation and provide best practices for a smooth and efficient roll out. They also share recommendations to successfully request income and employment verifications from Equifax to minimize processing time and improve borrower experience.

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.

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

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.

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.

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 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.

Forget Everything You Thought You Knew About Big Data and Analytics

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.