Business Needs

Verify, Authenticate & Link Identities

In a digital-first world, businesses must balance speed, security, and trust. Equifax provides a holistic view of a consumer with precise signals and intelligent automation to inform decisioning, mitigate risk, and streamline onboarding.

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Use Data as a Distinct Advantage

Establishing trust in an online environment requires more than point-in-time identity checks. Equifax helps organizations verify, authenticate, and link consumer identities using trusted data, predictive signals, and intelligent automation. From new account opening and portfolio monitoring to KYC and regulatory compliance, we enable businesses to improve conversion rates, make decisions with confidence throughout the customer lifecycle while reducing the financial losses associated with first-party, third-party and synthetic identity fraud.

Reduce Losses with Intelligent Identity Solutions

Evaluating the validity of a customer at origination amplifies the security of your portfolio and the bottom line.

Detect Synthetic Identities and High-Risk Applicants Earlier than Before

Synthetic and manipulated identities combine real and fabricated attributes to pass traditional identity checks. These identities often appear trustworthy at onboarding, then exhibit higher risk or default behavior later, creating long-term financial and operational impact.

Synthetic Identity Risk
Verify an applicant is not using a fabricated identity before extending credit or issuing a loan.
Credit Abuse Risk
Use signs of early payment default risk and loan stacking for proactive risk decisioning.
Consumer Insights
Quickly identify PII discrepancies, trustworthiness and historical fraud behaviors.

Convert More Customers with Confidence

Consumers expect fast, seamless digital onboarding, but manual reviews and disconnected data slow conversion and increase costs. Businesses need accurate identity verification that minimizes friction while maintaining confidence in risk decisions.

Identity Proofing
Orchestrate onboarding workflows that adjust in real-time to reduce friction for low risk customers.
Digital Risk Screening
High-velocity screening of device, network, email and other digital identifiers for early risk detection.
Instatouch ID
Streamline onboarding processes with a prefill solution that reduces clicks and instantly verifies an identity.

Monitor Identity Risk Beyond Account Opening

Identity risk evolves as attributes and behaviors change over time. Without connected identity intelligence and continuous monitoring, businesses struggle to detect emerging risk, account misuse, or shifts in consumer trustworthiness.

Account Protection
Safeguard customer accounts from takeover attempts even if a user name and password have been compromised.
Portfolio Screening
Automatically screen your portfolio for new risk as accounts age and proactively address issues to mitigate financial losses.
Secure MFA
Dynamically trigger MFA checks at critical touch points to help ensure the person you are interacting with is who they claim to be.

Protect Customers and Your Portfolio

Fraud and risk prevention are not just point-in-time activities, they require ongoing effort. Implementing solutions that protect customer accounts and monitor your portfolio for risky behaviors need to be just as effective as those used at account opening to maintain your reputation and customers' trust.

Account Protection

Safeguard customer accounts from takeover attempts even if a user name and password have been compromised.

Portfolio Screening
Automatically screen your portfolio for new risk as accounts age and proactively address issues to mitigate financial losses.
Secure MFA
Dynamically trigger MFA checks at critical touch points to help ensure the person you are interacting with is who they claim to be.

Drive Measurable ROI with Identity Intelligence That Scales

Identity decisions shape revenue, risk, and customer experience. Equifax helps organizations turn identity data into measurable results by reducing fraud losses, increasing approvals and conversions as well as improving efficiency. With predictive signals and intelligent automation, you can confidently approve more high-value opportunities while managing exposure.

ID Foundry
Holistic identity graph powered by the Equifax cloud.
Sophisticated Fraud Risk
Seamlessly and effectively detect sophisticated and emerging fraud patterns in real time.
Ongoing account management
Develop an ongoing portfolio monitoring strategy to keep up with fraud and compliance risk.
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99.5% coverage of consumers in the U.S.

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Capture up to 29 times more applications with risk of early payment default and loan stacking when layered with credit.

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Our cloud-native identity foundry is fueled with 40M+ inquiries daily and 15B+ records monthly.

*Data points and results based on internal analysis. Individual results may vary.

Trusted Identity Intelligence Backed by Data, Scale, and Expertise

Equifax combines trusted data, cloud-native identity intelligence, and decades of expertise to help businesses confidently verify, authenticate, and link identities at account origination and throughout the customer lifecycle. With solutions designed to adapt to the evolving fraud landscape and changing consumer expectations, we deliver the signals, insights, and support that organizations need to reduce risk and drive sustainable growth — today and in the future.
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Combat Fraud with Identity Proofing

Identity Proofing provides a single API to orchestrate identity verification, fraud scoring, and step-up checks across onboarding and login, improving decision accuracy without added friction or risk.

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Learn More About Identity and Fraud Tools from Equifax

Prevent identity and fraud threats with real-time insights, advanced verification, and intelligent orchestration — protecting every touchpoint from onboarding through ongoing compliance.

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