Ability to Pay (ATP) Index Product Sheet

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

Ability to Pay Digital

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

ACA Management Essentials Solution

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

ACA Partnership Opportunities

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

ACA Training Packages

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

Addressable TV Advertising

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

Affordable Care Act Management Brochure

Put ACA compliance on autopilot

Business to Business Digital Targeting Segments

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

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.

Compliance Center

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

Consumer Email Services

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

Customer Data Management product sheet

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

Digital Onboarding

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

Digital Segments for Auto

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

Digital Segments for Millennials

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

Digital Targeting Segments for Travel & Leisure

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

Discretionary Spending Dollars - Digital Targeting Segments

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

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

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

Discretionary Spending Dollars HD

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

Discretionary Spending Dollars Product Sheet

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

Discretionary Spending Index Product Sheet

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

Employment Tax Consulting Services for PEOs

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

enACT Product Sheet

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

FirstSearch Product Sheet

Collect More Debt by Reaching Debtors First

I-9 Anywhere Product Sheet

We get it. Offsite is the new onsite as more and more companies move toward a dispersed workforce. The I-9 Anywhere® solution from Workforce Solutions is designed to easily accommodate multiple worksites and remote employees with built-in guidance for accurate I-9 completion. Onsite or offsite, we’ve got you covered with I-9 Anywhere delivering flexible Section 2 completion options to manage I-9 compliance anywhere you are onboarding new hires.

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 to help improve your I-9 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.

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.

Pre-Employment Verifications

Make More Informed Pre-Hire Decisions With Authentic Employment Data

Researched Employment Verifications for Background Screeners

Making employment verification calls is one of the most laborious screening activities, but it’s a critical task that must result in the fast delivery of accurate data. Whether needing to outsource an entire researched verification process or in need of a provider to handle overflow, Equifax can help.

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.

State Onboarding Compliance Product Sheet

State new hire notifications can be overwhelming. Our State Onboarding Compliance solution can help.  We track legislation to help keep you on-top-of evolving state required new hire notifications and our technology makes the process straightforward to help you get the right form the to the right employee at the right time.

Talent Report

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

Tax Form Management

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

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.

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 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.

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.

WeVerify I-9 Solution

We take the complexity out of E-Verify. Forget about trying to relearn the process every time you hire a new employee. As one of the largest E-Verify employer agents, our solution makes E-Verify simple and straightforward, so you can get back to what matters most – growing your business.

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?

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.

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.

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.

With Workforce Enforcement Increasing, I-9 Compliance is Essential

Over the past year, the U.S. Department of Homeland Security has communicated that one of its top priorities is immigration enforcement. There's no doubt that this renewed focus has immediate implications for human resources professionals through increased worksite enforcement.

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.

A Visual Case Study: Jackson Healthcare and Improving ACA Compliance

Jackon Healthcare improves ACA compliance through a cutting-edge analytics platform 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

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.

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.

Leading Bank Enhances Prescreen Efficiency for Card Acquisition Campaigns

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

Lennox Transforms Credit and Collections with Help of Dynamic Equifax Solution

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

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 Update for Employers: Employee Subsidies and IRS Fines

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

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

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

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

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

Burden of Proof: An Unemployment Mock Hearing

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

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

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.

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 Secrets to WOTC Success: Tips for HR and Tax Pros

In this webinar you’ll learn proven strategies to maximize your WOTC program. With a spotlight on powerful key performance indicators (KPIs), you’ll walk away with the knowledge you need to break down the barriers that are stopping your organization from capturing more credits.

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

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

Unemployment Mock Hearing - Verbal Abuse in the Workplace

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

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

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

Webinar Highlights: Better I-9 Compliance

Get the highlights from our better I-9 compliance webinar

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

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

ACA 1095 Toolkit for Employers

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

ACA Subsidy Toolkit for Employers

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

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

BusinessConnect™ Offers a Unified Customer Lifecycle Management Solution for Organizations

Business to Business Digital Targeting Segment Details

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

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

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

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

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

Overview: Data-driven Marketing Solutions

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

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.

Work Opportunity Tax Credit (WOTC) Target Group Checklist

WOTC is truly a win-win program: employees who may have a difficult time finding a job gain employment, and employers who hire them are eligible for federal tax credits up to $9,600 per eligible employee.

Many organizations are hiring WOTC-eligible employees but aren’t taking full advantage of the federal tax credits. Download our printable guide to help you understand who is eligible for this valuable tax credit.

WOTC: Fact vs. Fiction

We’ve busted six (6) of the biggest WOTC myths that could stop you from maximizing your savings. You might think that applying for the Work Opportunity Tax Credit (WOTC) won’t help your company much, however, that’s simply not the case. Learn how WOTC can boost both your company’s bottom line ─ download now!