Customer Portfolio Review™

Equifax is the only consumer reporting agency that leverages verified employment and income data in the portfolio review process. Equifax leverages both the freshness of our data and unique products in the review process.

Equifax delivers insights to support proactive portfolio management and confident account management decisions. Assess your customers’ past and present financial behavior using flexible criteria based on a wide range of credit attributes and robust, exclusive add-on options configured to provide tailored, highly-specific details. The predictive power of our newest credit attributes provides on average a 15% lift — and up to a 94% increase — in performance over our legacy attributes. Customer Portfolio Review also supports healthy customer growth by identifying accounts that could be good opportunities for reward offers or credit line increases, as well as reveal accounts appropriate for account reactivation efforts.

Frequent monitoring of the credit-worthiness of your existing customer accounts can help you proactively identify high-risk accounts and better manage delinquencies. Equifax analysis has shown that conducting frequent account reviews can increase cost savings by between 40%-50% on newly identified dollars at risk. An additional benefit to frequent reviews is that you can better monitor changes to consumers’ credit at other firms and then use these insights to respond quickly, mitigate potential losses, and protect market share. Frequent portfolio reviews also help protect against fraud using built-in fraudulent identity alerts combined with custom criteria. Update your frequency of monitoring so you don’t miss out on new opportunities or new risks in your portfolio.

Understand customers’ credit behaviors “off-you” with TargetPoint Triggers or use TargetPoint Intent Scores to identify customers likely to open new credit in the near-term. Gain a picture of customer financial resilience by analyzing your portfolio with Financial Durability measures.