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

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.

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 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.

Employment Tax Consulting Services for PEOs

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

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.

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.

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.

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.

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.

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.

Pre-Employment Verifications

Make More Informed Pre-Hire Decisions With Authentic Employment Data

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.

Top UCM Challenges Employers Face

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

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 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.

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

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.

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

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

Last Mile Execution

Read this white paper to learn about technology solutions that deliver deeper customer insights into your decisioning systems

Rethinking Risk

Five Barriers to Effective B2B Credit Risk Management — and How to Transcend Them

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.

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.

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.

Opus Bank Teams With Equifax to Service Small Businesses

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

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

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

ACA 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

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.

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

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.

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.

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.

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!