ACA Fine Management Services

Now is the time for employers to make sure they're prepared should IRS Letter 226J arrive in their mailbox. With these Affordable Care Act-related fine notices soaring into the millions, employers must quickly react to understand Letter 226J and provide documentation to potentially dispute the stated fine amounts. Learn more about how engaging with Equifax and our Affordable Care Act Fine Management Services can support employers throughout the process.

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.

Advanced Communications Plus

Advanced Communications Plus is a new industry specific score only available to NCTUE Plus members.

Advanced Energy Plus

Product sheet for Advanced Energy Plus, a new score for thin hit/no file only available to NCTUE Plus members.

AML Compliance

Help facilitate compliance, minimize risk and reduce losses.

AVM Insight Product Sheet

Manage your collateral risk with a market-leading AVM

Business Activity Monitor

Business Activity Monitor™ is an account monitoring solution that helps reduce delinquency, improve collection outcomes and save time associated with account management through automated alerts on key changes to your customer accounts.

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 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.

Commercial Insight Delinquency Score Product Sheet

Product Sheet detailing Commercial Insight Delinquency Score

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.

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.

Exchange Risk Score Product Sheet

Built from a database that includes more than 300 million non-financial tradelines and covers more than 171 million distinctive consumers, Exchange Risk Score provides unique and deep industry-specific payment data.

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.

FICO Risk Score

In a major redevelopment of the FICO® Score using sophisticated modelling techniques to mine trends in recent consumer data, FICO Score 9 gives lenders the most predictive FICO Score to date, and minimizes operational hurdles associated with adoption and compliance. Among many modifications to its predictive characteristics, FICO Score 9 improves lenders’ assessment of collection information as well as consumers with limited credit histories.

FirstSearch Product Sheet

Collect More Debt by Reaching Debtors First

Graduate Outcome Metrics

In this global market, higher education institutions are facing increasing competition and compliance challenges. Many institutions are turning to analytics to maximize strategic outcomes and drive decision making in resource allocation, student success, and finance.

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.

I-9 Conversion Product Sheet

Transform paper I-9s to an electronic system for better control to help improve your I-9 compliance.

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 Offers

InstaTouch® Offers, a customized marketing and credit offers solution, enables additional ways to connect with the consumer and build loyalty through lines of credit and real time customizable marketing offers. Utilizing the Equifax credit data and combining it with verified identity enables a business to customize a firm offer of credit or insurance to the consumer based on shopping behaviors and helping limit risk of decline.

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 information as payment options.

InstaTouch Suite: From Friction To Flow

Don’t just meet consumer expectations of seamless, omni-channel experiences—exceed them. Enhance offers and reduce friction with the Instatouch® Suite from Equifax.

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

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.

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.

PowerView Score for Prime Lending

A next generation alternative data risk score powered by Equifax and LexisNexis

PowerView Score for Subprime Lending

A next generation alternative data risk score powered by Equifax and LexisNexis

Reporting Commercial Data

Best-in-class data security, governance and insights

SmartReserve

SmartReserve™, a robust data offering from Equifax, can help by providing financial institutions of all sizes with access to the historical data required to accurately forecast future losses and calculate the reserves required under the new CECL standard for future and current losses.

Solutions for Credit Unions

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

The Work Number: Best Practices in Data Management

Equifax Workforce Solutions maintains robust security practices in order to effectively manage the evolving threat landscape and dynamic compliance requirements. We know it is important for you to have confidence in the vendor you choose to handle your employees’ personal information. Protecting the data entrusted to us is our top priority.

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 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 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.

VantageScore Product Sheet

Learn how VantageScore is setting a new standard for predictive performance and modeling innovation.

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

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.

Gauging U.S. Recession Risk

This white paper will walk through some of the concerns surrounding the timing of recessions, and what Equifax Credit Trends data might tell us about whether current conditions warrant worry.

Identifying High Spend Consumers with Trended Credit Data

A data-driven comparison study that reveals how trended credit data 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 financial marketers should employ for reaching this generation.

Rethinking Risk

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

Scoring Credit Invisibles

Using machine learning techniques to score consumers with sparse credit histories

Ten Years Later, We Are Smarter

Find out how new opportunities have emerged from the Great Recession for telecommunications providers.

The Mortgage of the Future

As financial services technology changes rapidly, the mortgage industry’s reputation for being behind the times has persisted.  The origination process is complex and home loans are high-stakes transactions, but manual processes and reviews remain widespread while automation has been uneven. A survey of mortgage professionals provides a closer look at the transformation the industry believes it needs to keep its place, the factors driving innovation, and the obstacles standing in the way. A survey of mortgage professionals provides a closer look at the transformation the industry believes it needs to keep its place, the factors driving innovation, and the obstacles standing in the way.

The Stark Reality of Synthetic ID Fraud

How to Battle the Leading Identity Fraud Tactic in The Digital Age

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 Management Success Story - Large Retailer

Learn how a large retailer with over 10,000 employees across 1,000+ locations was able to select and efficiently implement an ACA management solution to complete annual reporting on-time.

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 - Financial Services Institution

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

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

Connexus Plus Helps Minimize Risk with a Safe Haven for Customer Data

Connexus® Plus is a robust service for data stewardship, data management and data security. Using state of the art technology, the Equifax data linking service helps you to accurately identify and link customer information regardless of address changes, name changes, or name variations.

Hard Rock Cafe - Automated Compliance, Real Engagement

Learn how Hard Rock has been able to improve employee engagement in benefits, reduce its risk and slash administrative tasks related to ACA compliance, while freeing up resources and helping control healthcare costs.

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

Streamlined Monitoring Helps Mitigate Regulatory Risk

Our AML Compliance portfolio monitoring provides a streamlined, cost-effective process for monitoring client portfolios, while offering maximum data coverage.

Trended Credit Data 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.

Trended credit data 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.

Trended Credit Data 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.

Trended Credit Data 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.

Trended credit data 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.

Trended Credit Data 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.

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.

Commercial Credit Trends Outlook Webinar from Equifax – Q1 2018

Equifax chief economist Amy Crews Cutts shares the latest commercial credit trends and outlines what changes she sees in store for the U.S. and economy and where she believes the economy is headed. She discusses recent commercial economic data, as well as new issues that are emerging on the economic landscape including changing interest rates, the Trump administration’s priorities and global politics.

Enabling Easier Rules Management with InterConnect

Learn how InterConnect's Rules Editor defines, tests and optimizes business rules and lets users quickly modify or create new rules, develop test data sets for repeated use, and create a more bullet-proof business strategy.

How Alternative Data and Advanced Analytics Give Utilities A Competitive Edge

Utilities need more effective ways to assess how they serve consumers for bill payment, deposit strategies and processes. Learn how alternative data and advanced analytics can help utilities drive increased revenue and margins while reducing credit risk and loss rates

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.

Nebulous Digital Marketing Investment is Dead

Join Equifax as Mykolas Rambus, General Manager of Data-driven Marketing at Equifax, and guest speaker, Shar VanBoskirk, Principal Analyst at Forrester for an eye-opening webinar, Nebulous Digital Marketing Investment is Dead, where you’ll hear why and how financial services brands are shifting their digital focus from quantity toward quality as they seek to connect with higher-potential, lower-risk audiences across their digital channels.

Q1 2018 U.S. Economic and Credit Trends Outlook from Equifax

The webinar will discuss overall trends in consumer credit, as well as brief deep dives into HELOC, mortgage, auto, card and general consumer finance. An additional special report will take a deeper dive into current vintages to assess payment performance and defaults for key tradelines.

Q2 2018 U.S. Economic and Credit Trends Outlook from Equifax

Join Equifax as chief economist Amy Crews Cutts, with guest Cristian deRitis from Moody’s Analytics, deliver insights that can help drive strategic growth at your organization.

Q4 2017 U.S. Economic and Credit Trend Webinar

This webinar will highlight overall trends in consumer credit, as well as brief deep dives into HELOC, mortgage, auto, card and general consumer finance.

Q4 2018 U.S. Economic and Credit Trends Outlook from Equifax

During this webinar, Amy Crews Cutts, Senior Vice President and Chief Economist at Equifax and guest Cristian deRitis, Senior Director from Moody’s Analytics discuss the latest trends impacting the U.S. economy and consumer credit.

Scoring More Consumers with VantageScore 4.0

This webinar, held on May 3, 2018, co-hosted by Equifax and VantageScore, covered new innovations for scoring more consumers with the latest advancements such as trended data and machine learning techniques.

The Impact of Digital Transformation on Customer Experience: Are You Leaving Money on the Table?

Does your digital experience leave customers feeling annoyed or in control? Join Equifax and guest speaker, Maxie Schmidt-Subramanian, from Forrester Research as we explore how delivering an integrated and frictionless digital experience can improve loyalty and ultimately drive business growth.

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.

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.

Webinar on Demand - CECL: Putting the Puzzle Together

The biggest change EVER to bank accounting is coming. Now is the time to prepare for the new CECL standard.

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.

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.

eBook: Develop a Winning CECL Strategy: 3 Tips for Success

This eBook provides actionable insights and tips to help you gain confidence in your CECL plan and develop a winning strategy.

Equifax Q&A with Forrester

Find out what Maxi Schmidt-Subramanian, Principal Analyst with Forrester Research, says about the impact of digital transformation on customer experience (CX).

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.

The Evolution of Commercial Credit Decisioning

An Analysis of How Decisioning Methods Have Changed Over Time

Trended Credit Data Attributes in VantageScore 4.0

Learn about the integration of trended data into VantageScore’s 4.0 model design and its impact on performance.

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.

VantageScore – 2017 Market Study Report

This market study provides the results of the primary research showing VantageScore’s usage across the entire lifecycle of consumer lending except mortgage originations.

VantageScore 4.0 Overview Brochure

VantageScore 4.0, the fourth-generation tri-bureau credit scoring model from VantageScore Solutions, sets a new standard for predictive performance and modeling innovation, pioneering several industry “firsts” that benefit lenders and consumers alike.